Major illnesses come with hidden costs

A critical illness, like cancer, heart attack or stroke, can be devastating. It can also be a huge and unexpected financial challenge. Medical insurance may not cover all costs, and you could face additional bills on top of those. Critical HealthEventsSM can help.

While medical insurance pays your doctor for treatment, Critical HealthEvents pays you cash directly to help with your other needs. It’s peace of mind having protection that helps with the high cost of severe illness.

Critical HealthEvents coverage helps take care of your budget in difficult times, so that you can fully focus on your health.

Critical HealthEvents is uniquely designed to help you manage a critical illness:

1. It pays for earlier diagnosis – HealthEvents pays benefits not just for the most serious illnesses, but also for earlier stages and early identification of critical illnesses.1 You can use these benefits to help get treatment sooner and preserve your health.
2. Your benefit refreshes annually – Each calendar year, your full benefit amount is restored. There is no lifetime maximum. Even if you collect 100% of your benefit in one year, your full benefit will be available again on January 1 of the next year for a new diagnosis.
3. It’s affordable, because it focuses on the most common conditions – Critical HealthEvents focuses on cancer, heart attack and stroke. These conditions are responsible for 90% of critical illness insurance claims2

1 Depending on diagnosis and stage, payments may be 100%, 50% or 10% of selected benefit amount. Policy/certificate will contain full list of covered conditions.

2U.S. Critical Illness Insurance Market Survey, 2012/2013 Results, conducted by Gen Re, A Berkshire Hathaway Company

• Access to medical experts. Critical HealthEvents includes access to Best Doctors®, the network of top doctors in the world, for free medical advice, second opinions, critical care support and more.
• Keep your coverage at the same price and benefits if you change jobs or retire.
• Apply for coverage for family members: spouse, children and dependent grandchildren.
• Convenient payroll deduction: pay via direct bill, bank draft or credit card if you leave your employer.

Pre-existing condition limitation

No benefit will be paid for any condition caused by or resulting from a pre-existing condition.

• Healthy living rider – Provides $50 annually for one routine service for early detection and prevention. Benefits for additional tests may also be available.

• Specified illness rider – Provides a benefit at 10%, 50% or 100%, once per lifetime per condition, for additional illnesses; see policy/certificate for all covered conditions.

When applying for Critical HealthEvents, you select a benefit amount. This is the maximum amount you can receive each year in benefits. Critical HealthEvents pays benefits at either 100%, 50% or 10% of that annual maximum, depending on the diagnosis you receive. Payouts per year will not exceed your annual maximum.

Example:

If you collect 10% of your benefit in January, and then receive a diagnosis at the 100% level in September of the same year, your second payment will be 90% of your annual maximum (the entire remaining amount.)

Your benefit isn’t “one and done.” As long as you have the policy, the benefit will start fresh every year, with no lifetime limit for new diagnoses.

A 30-day waiting period may apply before benefits are payable. Your policy/group certificate will contain specific covered illness and details, including a complete description of benefit provisions, exclusions and limitations.

This piece is intended to accompany form A112-2219 (3-18). It describes benefits of Plan Form CII 214, underwritten by Trustmark Insurance Company, Lake Forest, Illinois, and is subject to policy terms and conditions.

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