Family Critical Illness Plan

• Cancer
• Heart Attack
• Stroke, Paralysis
• Major Burns
• Coma

• Critical illness coverage for you and up to FIVE of your eligible family members.
• Up to $300,000 worth of coverage should you or any one of your covered family members is covered with one of the six critical illnesses.
• Enroll any time before the age of 60 (children must be enrolled prior to the age of 26).
• You and each of your covered family members are entitled to one lump sum payment for the life of the plan.
• Get a 50% refund on premiums if there has been no claim made on reaching 75.

• If you or any one of your covered family members chooses to terminate coverage.
• If you do not pay your premium before the end of the grace period provided.
• When you or any of your covered family members reaches the age of 75.
• After you or any of your covered family members has received payment from a claim.
• When a dependent child who is not permanently disabled and is covered under your plan reaches the age of 26 or marries, whichever comes first.

• Willful self-inflicted injury or illness.
• Drug and/or alcohol abuse.
• Pre-existing conditions.
• Committing or attempting to commit a crime or involvement in criminal activity.
• Willful ingestion or inhalation of poisonous substances.
• Bodily injury through external and violent means.
• Injury, illness, or death resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination.

• Your Family Critical Illness Plan premium is calculated based on an age banded premium rate guide that is available at your credit union or Family Critical Illness Plan provider.
• Premiums for each person covered under the Family Critical Illness Plan will be determined by their age on the date of their application for coverage.
• The premium amount payable for each coverage amount applied for remains the same for that coverage amount throughout the lifetime of the Plan for each insured person.

‌‌You must complete a Claim Form as proof of diagnosis to receive the critical illness benefit. 

The claim form must be accompanied by a detailed medical report signed by the attending specialist of the Insured Person. We may ask for additional proof or information to determine benefits. 

‌‌You must complete a Claim Form as proof of diagnosis to receive the critical illness benefit. 

The claim form must be accompanied by a detailed medical report signed by the attending specialist of the Insured Person. We may ask for additional proof or information to determine benefits.