The Family Critical Illness Plan

When a serious diagnosis strikes, the support of your loved ones is invaluable. Add to that support the Family Critical Illness Plan which provides up to $3,000,000 in critical illness coverage. This flexible plan allows you to select the coverage that is right for you and your family with no medical required for sign up.

List of Critical Illness:

Cancer, Heart Attack, Stroke, Paralysis, Major Burns or Coma

Your Benefits:

• Critical illness coverage for you and up to FIVE of your eligible family members,
Up to $3,000,000 worth of coverage should you or any one of your covered family members is covered with one of the six critical illnesses.
• Enroll any time before the age of 60 (children must be enrolled prior to the age of 26).
• You and each of your covered family members are entitled to one lump sum payment for the life of the plan
• Get a 50% refund on premiums if there has been no claim made on reaching 75

Coverage under the Family Critical Illness Plan will discontinue:

• If you or any one of your covered family members chooses to terminate coverage
• If you do not pay your premium before the end of the grace period provided
• When you or any of your covered family members reaches the age of 75
• After you or any of your covered family members has received payment from a claim
• When a dependent child who is not permanently disabled and is covered under your plan reaches the age of 26 or marries, whichever comes first.

Exclusions

You will not receive benefits if diagnosis of one of the covered critical illnesses is caused by:
• Willful self-inflicted injury or illness
• Drug and/or alcohol abuse
• Pre-existing conditions
• Committing or attempting to commit a crime or involvement in criminal activity
• Willful ingestion or inhalation of poisonous substances
• Bodily injury through external and violent means
• Injury, illness, or death resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination

Your Family Critical Illness Plan Premium

• Your Family Critical Illness Plan premium is calculated based on an age banded premium rate guide that is available at your credit union or Family Critical Illness Plan provider.
• Premiums for each person covered under the Family Critical Illness Plan will be determined by their age on the date of their application for coverage.
• The premium amount payable for each coverage amount applied for remains the same for that coverage amount throughout the lifetime of the Plan for each insured person.

Filing a Claim:

You must complete a Claim Form as proof of diagnosis to receive the critical illness benefit. The claim form must be accompanied by a detailed medical report signed by the attending specialist of the Insured Person. We may ask for additional proof or information to determine benefits.

Please note: To sign up, you must be a Credit Union member, or you can access through any of our Affinity Partners.

Download the Address Verification Form

N.B. The completed form must be submitted along with the applicable premium to your Credit Union  or approved affinity partner.

The Family Critical Illness Plan

When a serious diagnosis strikes, the support of your loved ones is invaluable. Add to that support the Family Critical Illness Plan which provides up to $3,000,000 in critical illness coverage. This flexible plan allows you to select the coverage that is right for you and your family with no medical required for sign up.

Tell us a little more about yourself so that we can help you find the best coverage option for you and your family.

By submitting my information, I consent to CUNA Caribbean Insurance accessing and further processing my personal data, the personal data of my dependents and other information required for and pertaining to my insurance coverage, evaluation, payment of benefits and matters related thereto.

NB: If you do not consent to the processing of the personal information supplied on this form, please do not submit this quotation. 

Family Critical Illness Plan - JA

What's the best way to contact you?

How much coverage do you think you’ll need?

Who would you like to cover on your plan?

You can cover up to a maximum of five of your eligible family members!

Choose two parents (up to age 75)

Significant other/spouse

Children (ages 1 through 26)

That’s it, a representative will contact you!

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