HealthGuard
Critical Illness Supplement
A critical illness protection policy that pays a lump sum benefit directly to you upon first diagnosis of a critical illness including:
• Major Organ Transplant
• Heart Attack
• Total Loss of Eyesight
• Stroke
• Total Loss of Hearing
• End Stage Renal Failure
Because no one is immune.
Do you know of anyone who has ever had a heart attack, stroke, or major organ transplant and survived? What was their life like for the first year or two after? Chances are their health insurance didn’t cover all the costs, and the situation created undue financial stress on the family.
What is your risk?
The statistics are clear: people are living longer, and as they do, they are more likely to experience a critical illness. According to the American Heart Association:
• About 92.1 million Americans are living with some form of cardiovascular disease or the after- effects of stroke.
• Direct and indirect costs of cardiovascular diseases and stroke total more than $329.7 billion.
• Heart disease strikes someone in the U.S. every 40 seconds.
• Someone in the U.S. has a stroke about once every 40 seconds.
Policy Features
• Issue ages 18 through 64
• Choose your lump sum benefit amount of $10,000, $20,000, $30,000, $40,000, or $50,000 (Benefit amount will reduce by 50% at age 65)
• One-time, lump sum payment paid directly to you
• Guaranteed renewable to age 80
• First diagnosis coverage – policy terminates upon payment of benefit
• Pays in addition to any other life, major medical, or hospital coverage you already have
• Individual and spouse coverage
available
Covered Critical Illnesses
• Major Organ Transplant
(surgery to transplant a heart, lung, liver,
kidney, pancreas, or bone marrow)
• Heart Attack
(cardiac arrest caused by acute myocardial infarction)
• Total Loss of Eyesight
(total and permanent loss of eyesight in both eyes)
• Stroke
(caused by hemorrhage, embolism, thrombosis, or infarction of brain tissue
producing a measurable neurological
brain deficit)
• Total Loss of Hearing
(total and permanent loss of hearing in both ears)
• End Stage Renal Failure
(chronic failure of both kidneys, requiring
kidney transplant and weekly dialysis)
This Policy Does Not Cover
• Any disease or injury involving the cardiovascular system except heart attack and stroke
• Transient Ischemic Attack (TIA)
• Attacks of Vertebrobasilar Ischemia
• Cerebral Symptoms Due to Migraine
• Cerebral Injury Resulting from Trauma or Hypoxia
• Vascular disease affecting the eye or optic nerve
Even though a person’s chances of survival have increased, surviving a critical illness comes with a price! UA’s HealthGuard supplemental policy can go a long way toward relieving the financial stress so you can concentrate on getting well.
About United
American Insurance
Company
Since 1947, United American has
provided protection and security to
hundreds of thousands of Americans.
We offer life and supplemental health
insurance policies for all ages and
continually strive to meet the needs
and concerns of our customers.
All of our supplemental plans offer these advantages:
Guaranteed Renewable:
Your policy cannot be canceled as long as premiums are paid on time.
Individual Protection:
You are purchasing an individual policy, not a group or association policy. The coverage goes with you wherever you go.
Freedom of Choice:
You choose your own doctors, health care providers, and hospitals.
No Precertification Requirements:
You decide when and where to receive
treatment.
No Precertification Requirements:
You decide when and where to receive
treatment.
Limitations and Exclusions.
(1) This policy pays a benefit only for First Diagnosis of a Covered Critical Illness, excluding cancer, while this policy is in force. Proof of First Diagnosis of a
Covered Critical Illness must be provided. This policy does not provide benefits for any other disease, sickness, disability, or incapacity. (2) This policy contains a thirty-day (30) Waiting Period. No benefit
is payable to anyone who has a Covered Critical Illness manifested before the policy has been in force for thirty days from the Effective Date. An illness is manifested when symptoms exist which relate to a Covered Critical Illness and which would cause an ordinary prudent person to seek diagnosis, care, or treatment. (3) This policy will not pay benefits if the First Diagnosis of a Covered Critical Illness is made outside the United States of America.
First Diagnosis
The first time you are diagnosed by a physician as having a Covered Critical Illness which is first manifested after the Waiting Period and while this policy is in force.
Guaranteed Renewable to Age 80; Premiums Subject to Change
This policy is guaranteed renewable to the policy anniversary following the 80th birthday of the Insured named in the policy. As long as premiums are paid when due, we cannot cancel the policy. The Company may change the premium on a class basis for all policies of this same form issued in your state.
The policy terminates at age 80 or upon payment of benefit, if earlier.
Benefits Reduce
The benefit amount for a covered person will be reduced by one-half after the policy anniversary
date following the covered person’s 65th birthday.
Benefit Selection
If the applicant and spouse are on the same policy, the benefit selection must be the same. Otherwise, they may apply on separate applications and choose different benefit amounts.