Coronary Bypass Surgery
Things you need to know
On average, people are living longer.
Critical illness insurance helps protect you from financial hardship if you are diagnosed with a serious illness like coronary artery-bypass, cancer, Alzheimer’s/dementia, multiple sclerosis, and more.
It is a living benefit that provides a lump-sum you can spend on anything you want if you are diagnosed with a specified covered illness or have a pre-existing condition like a Coronary artery-bypass surgery. Having Critical Illness in your overall insurance planning, can help alleviate that burden so you can focus on recovery.
The help and support you need to cope during a challenging time
Definition
- Critical Illness insurance provides a tax-free, lump-sum benefit if you are diagnosed with a covered condition as defined in your contract and outlive the 30-day survival period.
- The money received can be used however you choose, without restriction. For example, to make payments on your mortgage, make alterations to your home, continue to contribute to retirement, pay for specialized medical treatment, out of country treatments and more.
Lump-Sum Benefit
Expert Medical Opinion
The plan pays a lump sum benefit in the event you meet the policy definition of any of the following covered critical illnesses:
- Alzheimer’s disease
- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Loss of independent existence†
- Loss of limbs
- Loss of speech
- Major organ transplant
- Benign brain tumor
- Blindness
- Cancer (life-threatening)
- Coma
- Major organ failure on waiting list
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV infection
- Paralysis
- Coronary artery-bypass surgery
- Deafness
- Heart attack
- Heart valve replacement
- Kidney failure
- Parkinson’s disease
- Severe burns
- Stroke (cerebrovascular accident)
For most conditions, your benefit can be paid after the 30-day survival period. Refer to the policy for specific definitions and exclusions.
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The cash benefit will help you cover expenses were traditional health insurance may fall short.
Best Doctors — gives you access to the world’s best medical specialists.
Daily living assistance — provides resources to help you manage day-to-day activities.
Healing the whole person — access to the support you and your family need when dealing with the fears and anxieties associated with a critical illness.
Care coach — provides support for a range of everyday concerns such as locating childcare or elder care, arranging transportation, etc.
Healing Journey Kit — includes a book, and video and audio content to help you through the process.
The lump-sum benefit is non-taxable and can be used for anything you need.
Affordable coverage for the four most common critical illnesses: cancer, heart attack, stroke and coronary artery-bypass.
Protection against loss of income and out of pocket expenses while you cope with your illness.
Flexibility to purchase coverage from four to 25 conditions.
Available options include return of premium benefits and the ability to convert the policy to long-term care insurance.
Options to get additional help at home.
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You will not be turned down for coverage regardless of health condition. It is a simple, permanent insurance solution designed to meet the insurance needs of the most challenging applications.
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It provides the coverage you want, whether you have very serious medical conditions or are in good health.
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The coverage amount will never decrease over the life of the policy.
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Premiums are guaranteed not to change over the life of the policy.
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Policies accumulate guaranteed cash value beginning in the policy’s fifth year. You can use the cash value to pay premiums as long as cash values are sufficient. If the policy is cancelled, any remaining cash value will be paid to the policy owner.
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Life Insurance
Travel Insurance
Critical Illness
Group Employee Benefits