Critical Illness Insurance

Most of us know someone, whether it’s a friend, family member or neighbor, whose life has been devastated by cancer, heart attack, stroke or some other major medical illness. Both the emotional and financial stress can be overwhelming.

Cinergy Health offers a simple way to ease the financial burden of mounting medical bills and the potential loss of income in these situations with Critical Illness Insurance.

How the Plan Works
Critical illness insurance coverage pays a lump-sum benefit upon diagnosis of certain specified medical conditions. The financial assistance from a critical illness policy can help you focus on recovery and benefits can be used however you wish, including:

• Supplementing your health insurance
• Paying your mortgage or other bills
• Getting personal home care
• Taking time off from work
• Paying for child care

The Cinergy Health Critical Illness Insurance Plan, underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., will pay a lump sum benefit up to $25,000 directly to the member upon the first diagnosis of a specified critical illness such as cancer, heart attack, stroke and other specified conditions. Benefits are paid directly to you regardless of any other insurance you may have, including Medicare.

Sometimes people are affected by more than one serious condition. For this reason, the Critical Illness Insurance plan through Cinergy Health will pay the benefit amount for each individual occurrence. For example, if you receive a benefit payment as a result of a heart attack, you are still eligible for benefit payments should you be diagnosed with cancer or suffer a stroke or any of the other covered critical illnesses. Once the maximum benefit amount has been paid for a particular illness, no further benefits are payable for that particular illness for that insured person.

Covered Critical Illnesses:

You may select coverage for just yourself or for every eligible member of your immediate family and you may also determine how much coverage per diagnosis you want: $5,000, $10,000, $15,000, $20,000 or $25,000.

For more information on the Cinergy Health Critical Illness Insurance plan including rates and how to apply please click here.

This is only a brief description of the coverage(s) available under policy series CIP9600289. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Critical Illness Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 70 Pine Street, New York, NY 10270. Is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.