Critical Illness

Plan Detail

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York.

Benefits


Critical Illness Diagnosis

Benefit Payment Percentage

Category I

 
Invasive Cancer
(Diagnosed more than 90 days after the effective date)
100%
Invasive Cancer
(Diagnosed during the first 90 days of coverage)
10%
Cancer In Situ
(Diagnosed more than 90 days after the effective date)
25%
Cancer In Situ
(Diagnosed during the first 90 days of coverage)
2.5%

Category II

 
Heart Attack 100%
Stroke 100%
Major Organ Failure
(Failure of the heart or a combination organ failure including the heart)
100%
Coronary Artery Bypass 25%
Angioplasty 10%

Category III

 
Major Organ Failure
(Not covered in Category II)
100%
End-Stage Renal Disease 100%
Severe Burn 100%
Coma 100%
Paralysis 100%

Choose Your Benefit Amount

Covered Individual Benefit Options
Primary insured $20,000 - $50,000
Available in increments of $1,000
Spouse $20,000 - $50,000
Available in increments of $1,000
Child(ren) $10,000

Multiple Payment Benefit: Three Categories

An insured person may receive benefit payments from each of the following three categories of critical illness diagnosis. The benefit payment under each category cannot exceed 100 percent of the benefit amount per category.