THIS PRODUCT PROVIDES LIMITED BENEFITS. DUO CRITICAL ILLNESS INSURANCE IS GROUP CRITICAL ILLNESS COVERAGE ONLY FOR CERTAIN SPECIFIED DISEASES. THIS COVERAGE IS SUPPLEMENTAL AND NOT A SUBSTITUTE OR REPLACEMENT FOR COMPREHENSIVE HEALTH INSURANCE COVERAGE. IT IS NOT INTENDED TO COVER ALL MEDICAL EXPENSES.
This document provides a brief description of USAble Life’s DUO Critical Illness insurance. This is not an insurance policy. Limitations and exclusions apply, and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy carefully.
Please consult your policy, certificate, and any attached riders, if applicable, for specific information about the benefits available, the benefit amounts payable, and the requirements that describe qualifying for payment of the benefits.
Renewability
The policy is renewable at the option of the policyholder, subject to the terms and conditions of the policy. The acceptance of a renewal premium is optional with the company. An employee’s coverage is contingent upon continued employment or membership in the group.
Change of Premium
Premiums are subject to change. Rates are guaranteed for two years from the policy effective date. The company reserves the right to change the premium rate at the end of any rate guarantee period.
Cancelability and Modification
The policy may be canceled at any time by the policyholder. We may cancel or modify the policy with at least 31 days’ notice, subject to the policy provisions.
Termination
Coverage will end when an employee is no longer actively at work, no longer eligible for insurance, when due premium is not paid, or when the policy is terminated by us or the policyholder, subject to the policy provisions.
We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:
We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.
Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.
For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)
We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:
We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.
Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.
For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)
We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:
We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.
Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.
For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-POL-51 (9-20), GCI-CRT (9-20), GCI-CRT-51 (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20).
We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:
We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.
The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.
A pre-existing condition is a disease or physical condition for which:
Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.
For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)
We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:
We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.
The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.
A pre-existing condition is a disease or physical condition for which:
Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.
For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)
We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:
We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.
The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.
A pre-existing condition is a disease or physical condition for which:
Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.
For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)