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Critical Illness and Cancer Coverage
Critical Illness Coverage
Coverage Highlights:
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24-hour on and off-duty coverage for heart attacks, cancer, stroke, kidney failure and accidental death
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Fire and emergency service organizations throughout North America have relied on VFIS’ Accident and Sickness Program to cover emergency service-related accidents and illnesses, including heart attacks.
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However, many heart and circulatory-related claims may not be covered by workers’ compensation or accident & sickness policies. Coverage questions may arise because the heart condition manifested itself after a covered event, a treating or consulting physician determined the event did not cause the heart problem, or for other reasons.
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Cancer is another disease on the minds of individuals involved in emergency services. Many have no coverage under an accident & sickness program and limited, if any, coverage available through workers’ compensation. Now, with the VFIS’ Critical Illness Insurance Program, your emergency service personnel can receive a lump sum cash benefit when diagnosed with a heart attack, stroke, or life-threatening cancer.
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Coverage is provided on a 24-hour on and off-duty basis.
Please contact one of our agents for a proposal with a detailed explanation and other conditions of coverage.
If you’re diagnosed with a covered specified disease or cancer, group specified disease insurance*, we can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery.
Cancer with Specified Disease: $5,000-$20,000
Specified Disease Benefit:
For the diagnosis of this covered specified disease condition:
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Heart Attack
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Stroke
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End-Stage Renal (kidney) Failure
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Major Organ Failure
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Coronary Artery Bypass Graft Surgery/Disease
Percentage of the face amount is payable:
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100%
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100%
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100%
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100%
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25%
Subsequent diagnosis of a different specified disease
If you receive a benefit for a specified disease, and later you are diagnosed with a different specified disease, the original
percentage of the face amount is payable for that particular specified disease.
Subsequent diagnosis of the same specified disease
If you receive a benefit for a specified disease, and later you are diagnosed with the same specified disease, 25% of the
original face amount is payable. Specified disease conditions that do not qualify are: coronary artery bypass
surgery/coronary artery disease.
Covered Cancer Benefits:
For this condition:
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Diagnosis of Cancer (Internal or Invasive)
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Skin Cancer
The amount payable is:
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100% of the face amount
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$500
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