Critical illness plan highlights
Critical illness benefits
All amounts are issued on a guaranteed basis – employees are not required to answer health questions or undergo medical underwriting to qualify for coverage.
Benefit age reduction
Benefits will reduce by 50% at age 65.
- Category 1: heart attack, stroke, heart transplant
- Category 2: major organ transplant, end stage renal failure/li>
- Category 3: invasive cancer
Per category maximum
Maximum benefits are payable if you are diagnosed with one of the above specific critical illnesses and the date of diagnosis is while your coverage is in force. The stated benefit amount will be paid for no more than one illness in each category.
Per lifetime maximum
3x your benefit amount.
Pre-existing condition exclusion
12/12 – a pre-existing condition is an illness or injury for which you received treatment within the 12 months prior to your effective date of coverage, illnesses that occur during the first 12 months of coverage due to a pre-existing condition are excluded.
Employees must be actively at work. The benefits outlined are for illustrative purposes only and should not be considered a proposal for coverage. Limitations and exclusions apply.
Products are not available in all states. Underwritten by Nationwide Life Insurance Company.