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.

• Plan best suited - US citizens a permanent, legal resident of the United States.
• Ages – 18 year to 64 years.
• ID card - Apply online to print ID-card online.
• Renew - Renew online, by phone, by email, by fax.
• Covered Illness : Diagnoses must be made within the United States while the insured person’s insurance is in force and must be covered under the Policy
• Coverage Ends:  Date Premium is not paid when due or within 31 grace period, written request is received from the insured person, Insured person reaches max benefit, death of insured person, Insured person is no longer permanent or legal resident,  insured or spouse attains age 75.

This policy does not cover any critical illness caused in whole or in part by, or resulting from, the insured person’s:

• Commission of or attempt to commit a felony
• Intentional self-inflicted injury or sickness
• Alcoholism or drug addiction
• Being intoxicated or under the influence of an illegal substance or a narcotic (unless prescribed by a Physician specifically for the insured person)
• Attempting or committing suicide
• Illness or injury that is not specifically set forth in and covered under this Policy
• For child benefit only: the Policy does not provide coverage for a severe burn

Exclusions vary by state. Please refer to the Outline of Coverage or the Critical Illness Insurance Policy for state-specific exclusion information.