Inexpensive life insurance. Critical Illness Insurance Plans, CAA Health & Dental

Cancer

No benefit will be payable under this condition for the following non-life-threatening cancers: Critical illness.

Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or level V invasion); or

any non-melanoma skin cancer that has not metastasized; or

Stage A (T1a or T1b) prostate cancer.

Moratorium Period Exclusion

No benefit will be payable under this condition if within the first 90 days following the later of:

the effective date of the policy; or

the effective date of the last reinstatement of the policy, if the insured person has any of the following:

signs, symptoms or investigations, that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made;

a diagnosis of cancer (covered or excluded under the policy).

This medical information as described above must be reported to the Company within 6 months of the date of the diagnosis. If this information is not provided, the Company has the right to deny any claim for cancer or, any critical illness caused by any cancer or its treatment.

The insured must survive for a period of 30 days following the date the condition is diagnosed in order for the benefit to be paid.

Term life insurance calculator

Heart Attack

No benefit will be payable under this condition for:

elevated biochemical cardiac markers as a result of an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty, in the absence of new Q waves; or

ECG changes suggesting a prior myocardial infarction, which do not meet the heart attack definition as described here.

The insured must survive for a period of 30 days following the date the condition is diagnosed in order for the benefit to be paid.

Stroke

No benefit will be payable under this condition for:

transient ischaemic attacks; or

intracerebral vascular events due to trauma; or

lacunar infarcts, which do not meet the definition of stroke, as described here.

Coronary Bypass

The insured must survive for a period of 30 days following the date of the surgery in order for the benefit to be paid.

Return of Premium Option on Expiry of Policy (if this option is purchased)

The Return of Premium Benefit will not be payable where the insured has survived the waiting period for a covered condition at the time of expiry of the policy and the benefit is payable. The Return of Premium Option may only be purchased when the insured is between the ages of 18 and 55 and must be purchased at the same time as the original coverage.

Life insurance policy companies

General Conditions, Exclusions and Limitations Applicable to All Covered Conditions

No benefit will be payable if the insured suffers a covered condition, which results directly or indirectly from, or is in any way associated with:

intentional self-inflicted injuries;

intentional use or intake by the insured of:

any prescription drug or narcotic other than as instructed by a physician;

any drug or narcotic legally available for sale in Canada without a prescription, other than as recommended by the manufacturer;

any drug or narcotic not legally available in Canada; or

any poisonous substance or intoxicant, including alcohol.

committing or attempting to commit a criminal offence;

operation of a motor vehicle while the concentration of alcohol in 100 milliliters of blood exceeds 80 milligrams.

No benefit will be payable if the insured suffers a covered condition at any time during the 24-month period following the effective date of the policy or the date of the last reinstatement which results directly or indirectly from, or is in any way associated with, a pre-existing condition.

Compare life assurance

A pre-existing condition is an illness or condition for which, during the 24-month period prior to the effective date of the policy, the insured was diagnosed or was treated, hospitalized or attended to by a physician or was advised to seek treatment or consult a physician; was prescribed or took medication; showed indications, signs or symptoms or underwent tests or investigations.

No benefit will be payable where a covered condition is diagnosed in a jurisdiction other than Canada or the United States, unless the insured makes all requested medical records available to the insurer and the insurer is satisfied that:

the same diagnosis would have been made if the covered condition had occurred in Canada or the United States;

the physician making the diagnosis was licensed to practice in the jurisdiction in which the diagnosis was made and had medical credentials equal to those required in Canada or the United States;

the diagnosis is fully supported by all appropriate diagnostic tests and other investigation which would normally be undertaken in Canada or the United States (including those required by the policy); and

the same type of surgery or procedure as required under the policy in order for the benefit to be payable would have been advised if the diagnosis had been made in Canada or the United States.

Coverage ends automatically once a benefit for a covered condition has been paid.

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. It is important that you read your insurance policy when you get it to understand exactly what you are covered for.

rates-life-insurance.com
Overall rating page: 3.4 / 5 left 115 people.

Posted by at 09:04AM

Tags: inexpensive life insurance, health insurance quotes, cheapest insurance, home insurance agency, hartford insurance, individual health insurance, is term life insurance recommended, term life insurance calculator, compare life assurance, life insurance policy companies

Comments

There are no comments for this post "Critical Illness Insurance Plans, CAA Health & Dental". Be the first to comment...

Add Comment