The Family Indemnity Plan: Critical Illness Rider

Pushing your limits brings out the best in you and helps you overcome adversity. If that adversity happens to be a serious illness then you could receive an additional benefit of up to $100,000 to help you keep going. It’s for all who never give up!

As the Owner of a Family Indemnity Plan, you may enjoy the following benefits and special features under the Critical Illness Rider:

Your benefits:

  • You will receive up to $100,000 coverage should you be diagnosed with any of the following covered critical illnesses: cancer, heart attack, stroke, paralysis or major burns.*
  • You may sign up for the Critical Illness Rider once you have enrolled in a Family Indemnity Plan.
  • You are not required to do a medical when you sign up.
  • You may apply for the Rider once you have not reached age 60.*
  • You have to wait six months after enrollment to be able to benefit from the Rider, unless you become diagnosed with a covered critical illness as a direct result of an accident.*
  • You are entitled to receive only one lump sum payment for the life of the Rider.
  • Your family will receive a refund of your Critical Illness Rider premium payments should you pass away without making a critical illness claim before age 75.*

Coverage Under The Critical Illness Rider Will Discontinue:

  • If you choose to terminate coverage.
  • If you do not pay your  Family Indemnity Plan-Critical Illness Rider premium during the grace period provided.
  • When you have reached the age of 75.
  • After you have received payment from a Critical Illness Rider claim.*
  • Once you have passed on.

You will not receive benefits if your diagnosis of one of the covered critical illnesses* is caused by:

  • Willful, self-inflicted injury or illness.
  • Abuse of drugs and/or alcohol.
  • Committing or attempting to commit a crime or involvement in criminal activity.
  • Poison, inhaled poisonous gases or vapours.
  • Pre-existing conditions.*
  • Bodily injury through external and violent means.
  • AIDS, AIDS-related complex or infection by HIV virus.
  • Injury, illness or death resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination.

Your Critical Illness Rider Premium:

  • Your premium is determined by the age you have attained when you sign up for the Rider and the selected coverage option.*


With the new Family Indemnity Plan: Critical Illness Rider, two coverage benefit levels are available for you to choose from: $50,000 and $100,000.

Visit your credit union for Premium Schedule details.

Filing A Claim:

  • You must complete a Claim Form as proof of diagnosis for the Critical Illness Rider benefit. We may ask for additional proof in order to determine benefits.

Sign up for the Family Indemnity Plan: Critical Illness Rider today!
For more information ask your Credit Union representative or Family Indemnity Plan provider or call CUNA Caribbean Insurance Jamaica Limited.

Please note: You must be a member of the Credit Union or you can access this plan through our Affinity Partners.

*Conditions apply

Download the Critical Illness Rider Enrollment Form


N.B. The completed form must be submitted along with the applicable premium to your Credit Union / FIP Provider.