For assistance, please contact:
Stephen Baker
1435 Hillshire Dr
Hernando, MS 38632
901-412-7765    
sbaker887@comcast.net
Cancer Care Plus

Cancer and Dread Disease Insurance
Financial Solutions, Treatment and Recovery
THIS IS A CANCER - ONLY POLICY
Why Cancer Insurance?Benefit OptionsOptional Riders

According to the American Cancer Society:

  • In the United States, men have about a 1-in-2 lifetime risk of developing cancer; for women the risk is a little more than 1-in-3.*
  • Since 1990, over 18 million new cancer cases have been diagnosed.*

As advances in cancer treatment continue, more and more people will survive:

  • Approximately 9.6 million Americans with a history of cancer were alive in 2000.*
  • The five-year relative survival rate for all cancers combined is 63%.*
  • The National Institutes of Health estimated the overall costs for cancer in the year 2003 at $189.5 billion.

Although health insurance can help offset the costs of cancer treatment, you still may have to cover deductibles and copayments on your own.

Additionally, cancer treatment can cause out-of-pocket expenses that aren’t covered by traditional health insurance:

  • Travel
  • Food
  • Lodging
  • Long-distance calls
  • Childcare
  • Household help

Meanwhile, living expenses such as car payments, mortgages or rent, and utility bills continue, whether or not you are able to work. If a family member has to stop working to take care of you, the loss of income may be doubled. Central United Life Insurance Company helps provide an important safety net in fighting the financial consequences of cancer that result beyond traditional health insurance.

Central United Life pays benefits directly to you, unless assigned.

You use the cash however you decide.

* American Cancer Society

ELIGIBILITY - You and your covered spouse must be ages 18 through 69 to apply for coverage. Unmarried, dependent children under the age of 21 (in NM and TX, age 25 regardless of student status) may be covered. Unmarried children under the age of 25 may also be covered if enrolled as a full-time student in an accredited college or university, or marriage, whichever occurs first. When the child reaches the limiting age, the child may “convert” to an individual policy without evidence of insurability, subject to the “Conversion” provision in the base policy.

LIMITATIONS 30-Day Waiting Period. If a Covered Person has a Positive Diagnosis for Cancer or a Dread Disease during the first thirty days after the Effective Date of this Policy, coverage for such Cancer or Dread Disease will only apply to loss commencing after two years (in NH, six months; in NC, twelve months) from the Effective Date of this Policy; or, at Your option, You may elect to void this Policy from the beginning and receive a full refund of premium. In AZ and MO, we will pay a reduced benefit of $40 for loss covered by or resulting from such Positive Diagnosis during the first two years from the Effective Date of this Policy; in MN, we will pay a reduced benefit of $40 for loss covered by or resulting from any Cancer or Dread Disease during the first two years from the Effective Date of this Policy.

WAIVER OF PREMIUM -If the Named Insured becomes Totally Disabled for 60 days as a result of a Positive Diagnosis of Cancer or a Dread Disease while this Policy is in force, We will waive the premiums that fall due while he or she is Totally Disabled. The Total Disability must begin before the policy anniversary following that person’s attainment of age 60. To be eligible for this benefit, premiums must continue to be paid for 60 days after the commencement of Total Disability. Upon approval of this benefit, waiver of premiums will begin on the premium due date next following 60 days of continuous Total Disability. This provision does not apply to Total Disability of the Insured Spouse or Insured Child(ren).

GUARANTEED RENEWABLE FOR LIFE - Your policy cannot be cancelled regardless of changes in health, the number of times benefits are received or advancing age. The only way the policy can be cancelled is for failure to pay premiums. The Company reserves the right to change the rates on all policies of this class in the entire state.

10 DAY RIGHT TO EXAMINE POLICY - You have ten (10) days to examine the policy. If you are not satisfied, you may return it to us and have your premiums refunded.

EXCLUSIONS - Subject to the Time Limit on Certain Defenses provision, We will not pay benefits for: 1. Anything caused by or resulting from Injury;
2. Anything other than Cancer or a Dread Disease;
3. any sickness, illness, bodily infirmity or incapacity that has been caused, complicated, worsened, or affected by Cancer or a Dread Disease or as a result of Cancer or a Dread Disease treatment including side effects from Cancer or a Dread Disease treatment except as specifically covered;
4. anything due to Cancer or a Dread Disease for which a Positive Diagnosis was made, or treatment was received, (in NE, five years; in NC, twelve months) prior to the Effective Date. In NC, a Pre-Existing Condition for Insured Persons age 65 or older shall include only conditions excluded by rider. In MT, any Cancer or Dread Disease during the first twelve months following the Effective Date due to Cancer or a Dread Disease for which a Positive Diagnosis was made, or treatment was received, 3 years prior to the Effective Date will not be covered;
5. anything for which no charge was incurred by the Covered Person (except as expressly provided herein);
6. (except in WI) any treatment, procedure, or service which is not grounded in current, generally accepted medical practices, except as specifically provided in the Experimental Treatment benefit or Bone Marrow Transplant benefit (benefits for Experimental Treatment are limited to a lifetime maximum of $10,000 and benefits for Bone Marrow Transplants are limited to a lifetime maximum of $10,000);
7. any care and/or treatment received outside the U.S. or its territories unless the Covered Person has traveled outside the United States and/or its territories and treatment is received due to an Emergency Situation;
8.< (except in MO) any care, confinement and/or treatment in a government or charity hospital except as specifically provided in the Government or Charity Hospital benefit;
9. (except in AZ, MN, MO and MT) any Cancer or Dread Disease during the first two years (in NH, six months; in NC, twelve months) following the Effective Date in connection with a loss that was incurred during the Waiting Period; 10. planning, clinical treatment planning, clinical treatment management, medical radiation physics, dosimetry, blocks, molds, treatment devices, special services, and similar services ancillary or related to Teleradiotherapy or Radio-Active Isotopes Therapy; 11.side-effect medications or treatments, supplies, saline or similar fluids, administration charges, and other services or treatments ancillary or related to Chemotherapy (except as expressly provided in the Chemotherapy Enhancer Drug benefit and Anti-Nausea benefit provisions); or 12. side-effect medications or treatments, supplies, saline or similar fluids, administration charges, and other services or treatments ancillary or related to Chemotherapy Enhancer Drug, Anti-Nausea medication, or Immunotherapy.

In MD, we will not pay any benefits otherwise covered under this Policy that are in connection with or resulting from a Prohibited Referral.

We will reimburse you for the actual charges for the services provided. Actual charges are the amounts paid by you or on your behalf and accepted by the provider for the services provided.

The following limitations apply to the Critical Care Benefit Rider and Intensive Care Unit Rider:

LIMITATIONS - Pre-Existing Conditions. These Riders do not provide benefits for loss or losses due to Pre-Existing Conditions that are incurred during the 12 months (in NM, 6 months) immediately prior to the Rider Date. In addition, a loss caused by a Pre-Existing Condition will not be covered if: 1. (except in MD) the Pre-Existing Condition was revealed in the application; or 2. we have specifically excluded the Pre-Existing Condition by name or specific description. However, a claim for a Pre-Existing Condition incurred after 2 years (in NM, 6 months; in CA, 12 months) from the date these Riders become effective will be covered, unless that condition is excluded by name or specific description effective on the date of loss.

The benefits as specified in these Riders are payable in addition to all other indemnities set forth in the Policy and/or attached Riders, if any.
Date:
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