Cancer Insurance

What is Cancer Insurance?

The Club’s cash cancer plan pays cash benefit immediately when you’re first diagnosed with cancer.

Why Cancer Insurance?

Consider these 2003 American Cancer Society statistics:

• 1 in 2 men and 1 in 3 women will get cancer.
• Cancer is the leading killer of children ages 1–14.
• Cancer causes 1 of every 4 deaths.
• 65% of costs to fight cancer are non-medical indirect costs, not covered by traditional insurance

I can do without Cancer Insurance

Perhaps, but there are indirect & out-of-pocket costs when cancer strikes. The most significant loss of income can come from:

• Patient and caregiver insurance & HMO Shortfalls
• Deductibles and co-payments
• Scheduled benefit limitations
• Costs considered excessive
• Doctors, hospitals, cancer centers outside managed care program
• Treatments considered experimental Loss of Assets
• Depleted Savings*
• Real estate
• Personal property Other Indirect Costs
• Home health care
• Transportation expenses to and from doctors and treatment facilities
• Food and lodging if treatment is out of town
• Child care normal Living Expenses
• Mortgage payments or rent
• Car payments
• Utility bills
• Groceries and household items
• Credit card payments
  *60% of families deplete savings (USA Today article) Fact use does not imply endorsement.

One Time Sum Cash Benefits

• You receive a one-time sum cash payment upon first diagnosis of internal cancer or malignant melanoma.
• No hospitalization or treatment required to receive payment of cash benefit.
• Use the cash benefit for any purpose you choose.
• Pays in addition to other insurance you may own.
• Under the Federal Internal Revenue Code, you may be able to exclude from your income benefits you receive. Consult your tax advisor.

Plan Features

• Benefit Choices: $10,000 $20,000 $25,000 $30,000 $40,000 $50,000
• Use the cash benefit for any purpose you choose.
• Eligible Ages: 0 – 64, use current age

Plan Types

• Individual (adult or child)
• Family (2 parents and all children)
• Single Parent (parent and all children) For 2 or more children only, use Single Parent.

Premium Payment Periods

• Paid up after 20 years
• Payable for life
• Return of Premium Option: Premiums will be refunded as shown if policy remains continuously in force and no claim paid.

Issue Age End of Policy Year Returned

• Issue Age Premiums: Premiums do not increase with advancing age
• Guaranteed Renewable: Coverage is renewable for life if premiums are paid on time. Policy will terminate once claims have been paid for all covered persons.
• Free Look Period: Return policy within 30 days of receipt and all premiums will be refunded.
• Easy to Apply: No medical exam, no physician statements, no telephone interview...just complete the application.

Additional Information

Cancer: Means a disease manifested by the presence of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells, the invasion of tissue, Hodgkin’s Disease or Leukemia. Premalignant conditions, conditions with malignant potential or skin cancer other than malignant melanoma are not to be construed as cancer in interpreting the policy. Waiting Period Cancer first diagnosed during the 30 days following the Date of Policy will not be covered.

Exceptions and Limitations: The policy provides benefits only for first diagnosis of internal cancer or malignant melanoma. No benefit is payable for the diagnosis of any other disease, sickness or incapacity. Pre-Existing Condition Limitation No benefit is payable for a pre-existing condition for 12 months after the date of the policy. This is a Supplemental First Diagnosis Cancer Benefit Policy. It is not a substitute for hospital or medical expense insurance, a health maintenance organization (HMO) contract, or major medical expense insurance. This brochure provides a brief description of Policy Form 70160 2/98 CA (02). For complete information, please review the actual policy.

How Do I Apply?

APPLY TODAY!

Call to have an application mailed to you at 1-800-464-0452 or email us at info@cityemployeesclub.com.

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