Voya Critical Illness Insurance

Critical Illness Insurance doesn’t replace your medical coverage; instead, it complements it. The benefit payments don’t go out to pay for medical bills or treatments you may need, instead they come in— directly to you—to be used however you’d like. Choose this supplemental health insurance product for added protection if one of the following covered conditions comes your way.

Critical Illness Insurance is a limited benefit policy. It is not health insurance, and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

You have the option to enroll in coverage in the amount(s) below.

*Child(ren) up to age 26

Critical Illness Insurance provides benefits for the covered medical conditions and diagnoses shown below. The most common conditions we pay claims for include:

• Heart attack*
• Cancer
• Stroke
• Coronary artery bypass
• Kidney failure**

If one of these common events happens on or after your coverage effective date, and your claim is approved, benefits are payable at 100% of the Critical Illness benefit amount shown above unless otherwise stated. Use your benefit payment however you’d like.

You may receive a benefit payment up to 100% of the Critical Illness benefit amount for each different diagnosis, up to the total maximum benefit. (A definition of “different diagnosis” is provided in the certificate of coverage).

Total maximum benefit: The total maximum benefit amount is 2 times the Critical Illness benefit amount for each covered condition. Once the total maximum benefit for a covered condition has been paid, no further benefits are payable for that same covered condition.

The Critical Illness Insurance available through your employer includes the following additional benefits:

Wellness Benefit

Complete an eligible health screening test, and we’ll send you a benefit payment to use however you’d like.

• Employees receive an annual benefit payment of $50.
• Spouses receive an annual benefit payment of$50.
• Children receive 50% of your benefit amount per child, with an annual maximum of $100for all children.