Family Critical Illness Plan

When a serious diagnosis strikes, the support of your loved ones is invaluable. Add to that support the Family Critical Illness Plan which provides up to $300,000 in critical illness coverage. ‌‌

This flexible plan allows you to select the coverage that is right for you and your family with no medical required for sign up.
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‌List Of Critical Illness ►
• Cancer‌‌
• Heart Attack‌‌
• Stroke, Paralysis‌‌
• Major Burns ‌‌
• Coma
Your Benefits ►
• Critical illness coverage for you and up to FIVE of your eligible family members,‌

• Up to $300,000 worth of coverage should you or any one of your covered family members is covered with one of the six critical illnesses.‌

• Enroll any time before the age of 60 (children must be enrolled prior to the age of 26).‌

• You and each of your covered family members are entitled to one lump sum payment for the life of the plan‌

• Get a 50% refund on premiums if there has been no claim made on reaching 75
Coverage Under Family Critical Illness Plan Will Discontinue ►
‌‌• If you or any one of your covered family members chooses to terminate coverage‌

• If you do not pay your premium before the end of the grace period provided‌

• When you or any of your covered family members reaches the age of 75‌

• After you or any of your covered family members has received payment from a claim‌

• When a dependent child who is not permanently disabled and is covered under your plan reaches the age of 26 or marries, whichever comes first.
Exclusions ►
‌You will not receive benefits if diagnosis of one of the covered critical illnesses is caused by:‌

• Willful self-inflicted injury or illness‌

• Drug and/or alcohol abuse‌.
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• Pre-existing conditions‌

• Committing or attempting to commit a crime or involvement in criminal activity‌.

• Willful ingestion or inhalation of poisonous substances‌.
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• Bodily injury through external and violent means‌.
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• Injury, illness, or death resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination.
Your Family Critical Illness Plan Premium ►
‌• Your Family Critical Illness Plan premium is calculated based on an age banded premium rate guide that is available at your credit union or Family Critical Illness Plan provider.‌

• Premiums for each person covered under the Family Critical Illness Plan will be determined by their age on the date of their application for coverage.‌

• The premium amount payable for each coverage amount applied for remains the same for that coverage amount throughout the lifetime of the Plan for each insured person.
Filing A Claim ►
‌‌You must complete a Claim Form as proof of diagnosis to receive the critical illness benefit. ‌‌

The claim form must be accompanied by a detailed medical report signed by the attending specialist of the Insured Person. We may ask for additional proof or information to determine benefits.
How To Apply For A plan? ►
‌You must be a member of the Credit Union to enrol onto the Plan.‌‌

▼ THE PROCESS‌‌‌ ▼

➊ It is advisable to use a desktop or laptop computer to finish this process.‌‌

➋ Click on the Application Form button below, and download the enrolment form.‌‌

➌ Fill out the Enrolment Form using Adobe Acrobat Reader.‌

❹ Print the form and bring it to the Credit Union along with:‌
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✓ Two Forms of valid picture Identification.‌
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✓ Recent Utility Bill not more than 3 months old i.e., T&TEC / TSTT / WASA / Cable (if utility bill is not in applicant’s name, a letter of authorization must be provided by owner with a copy of owner’s ID).‌

➎ Pay the first month’s premium.
APPLICATION FORM

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