Critical Illness Insurance
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Give Your Employees A Fighting Chance

People are living longer than ever before. This is partially due to the fact that once-fatal diseases are now very treatable. The problem is that treatment can be very expensive. But with benefits from Nationwide Insurance, you can provide your employees coverage for a lot of these major illnesses — and for a lot less than you think.

In fact, with this new benefits plan, you can provide the employees you count on every day with a lump-sum amount of up to $10,000 to help with expenses related to the covered critical illnesses: heart attack, stroke, invasive cancer, major organ transplant (including heart), or end-stage renal (kidney) disease.

They can use this lump-sum payment for any number of reasons associated with the treatment of the disease or expenses incurred due to the illness: transportation costs, baby-sitters, medical equipment to use during recovery, additional groceries for family caregivers who need to stay during recuperation, and even to pay their major medical deductible.

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 Options $5,000
$10,000
$20,000
Benefit Age Reduction Benefits will reduce by 50% at age 65.
Covered Illnesses Category 1: heart attack, stroke, heart transplant 
Category 2: major organ transplant, end stage renal failure 
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.
Preexisting 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.

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