Critical Illness Insurance

Critical Illness Insurance is one of the fastest growing products in the insurance industry and is in demand from groups of all sizes. Adding Critical Illness Insurance to a benefit plan can enhance an employer’s compensation package or an affinity group’s membership privileges. Our plans can be purchased as part of a group insurance program, or as a stand-alone benefit.

25 Covered Conditions:

Two Critical Illness Insurance plans are available – Basic and Voluntary coverage:

Basic Coverage – mandatory Group Critical Illness Insurance (no medical evidence required)
Special Features:

	Multiple Event Coverage – unlimited claims for unrelated illnesses
	Spouse and Dependent Child coverage options available
	Optional Waiver of Premium
	No termination age

Voluntary Coverage – optional Group Critical Illness Insurance (medical evidence required)
Special Features:

	Payroll deduction or individual billing options available
	Groups of 250 or more may qualify for a time-limited Guaranteed Acceptance open enrolment period for members/employees and spouses.

Both the Basic and Voluntary plans offer the following special features:

	AdvanceCare Benefit – 10% Benefit Payment for Early Stage Cancers and Coronary Angioplasty
	Conversion options after coverage has been in force for 24 months.
	Access to OneWorld Medicare's Treatment Management Service to help the insured person's Critical Illness benefit go further in accessing a second opinion or alternative treatment.

Please contact the regional office closest to you for further information about Critical Illness Insurance or any of SMG’s products.