Plan Details

The Union Savings Critical Illness Insurance Plan is the easy and affordable way to assist in your recovery and your family's security - at rates you can afford.

You can see why this is the plan for you.

• A lump sum payment makes it easier to take care of things! When you're diagnosed with one of the sixteen Critical Illnesses listed, the Critical Illness Insurance Plan provides you with a lump sum payment to use in any way you wish. You may seek alternative treatment elsewhere, modify your home, or even take a well needed vacation.
• Choose the level of coverage that's best for you. You choose how much coverage you need – $25,000, $50,000, $75,000 or $100,000. You just need to answer a few straightforward medical questions.
• Affordable Monthly Premiums. Premiums are based on your age, sex and smoking status.

Covered Conditions*

The Critical Illness Insurance Plan pays a lump sum benefit if you're diagnosed with one of the following common major illnesses and survive for 30 days from the date of diagnosis.

2nd Event Coverage*

Chances are you'll get better and return to work. Unlike many other critical illness insurance plans, coverage doesn't always end after the first event. This plan includes 2nd Event Coverage. Here's how it works.

• If you are diagnosed with Cancer, paid the principal sum, and then after 1 year, you suffer a Heart Attack, Stroke or Coronary Artery Bypass, you are eligible for a 2nd Event benefit equal to the principal sum. Or
• If you are diagnosed with Heart Attack, Stroke or Coronary Artery bypass, paid the principal sum, and then after one year, you are diagnosed with Cancer, you are eligible for a 2nd Event benefit equal to the principal sum.

Additional Benefits*

The Union Savings Critical Illness Insurance Plan stands apart from others - in addition to the sixteen major illnesses listed above, this plan includes coverage for:

• Loss of Independence
• Ductal Carcinoma in Situ (DCIS)

Eligibility

All Union Savings members, their spouses and family members, between the ages of 18 and 69 inclusive, are eligible to apply. What's more, coverage extends until age 70.

Monthly Premiums

First year premiums are based on your age, sex and smoking status at the time you apply. Renewal premiums will increase according to your attained age on each policy anniversary after you enter the next age band. Coverage is available in units of $25,000 with a maximum of 4 units. Coverage terminates at age 70.

Monthly Premiums

Rates are not guaranteed and are subject to change without notice.

$25,000

$50,000

$75,000

$100,000

Limitations & Exclusions

There is a 90 day waiting period for cancer. This means that if, during the first 90 days following the effective date of your policy, a diagnosis of any type of cancer is made or if any symptoms or medical problems manifest themselves that subsequently result in the diagnosis of cancer, you will not be covered for that cancer. In the event of any such diagnosis your policy will remain in force but that cancer will no longer be considered an insured condition. A subsequent diagnosis of an unrelated cancer is not excluded from coverage.

The plan does not provide coverage for any injury or sickness directly or indirectly caused by or resulting from any of the following: Injury or sickness, other than one of the covered conditions even though such injury or sickness may have been complicated by or affected by one of the covered conditions; self inflicted injuries, suicide or any attempt thereat, while sane or insane; declared or undeclared war or any act thereof; any condition which is or results from or is a complication of infection with Human Immunodeficiency Virus (HIV) or any variance including Acquired Immune Deficiency Syndrome (AIDS) and AIDS Related Complex (ARC); treatment, including but not limited to a medication or other substance which has not been prescribed by a Doctor; misuse of medication or the abuse of drugs or intoxicants; the commission or attempted commission by the insured person of any act which if adjudicated by a court would be an illegal act under the laws of the jurisdiction where the act was committed.

* This is an outline of some of the benefits for which you may be eligible for under the UNION SAVINGS Critical Illness Insurance Plan and is for informational purposes only and does not replace the policy contract. Please refer to the Critical illness Insurance policy for full details of the coverage, an explanation of benefits, including but not limited to the definitions, benefit amounts, exclusions and limitations, as these may limit the benefits available. In all cases, it is the terms of your Critical Illness Insurance policy issued by ACE INA Life insurance that will govern.