RE-Cover Critical Care
RE-COVER eases the financial pressure of a medical crisis by providing a lump sum cash benefit, paid directly to you upon the diagnosis of a covered illness.
Use your cash to Replace Lost Income, Cover Out of Pocket Costs for Health Care Needs or Monthly Expenses like Your Mortgage or Car Note.
- $10,000
- $20,000
- $30,000
- $40,000
- $50,000
- Dependent Children $10,000 maximum
Benefit Definitions
Please download brochure for full list of Benefit Definitions
Cancer (Internal Cancer)
A disease that is identified by the uncontrolled and abnormal growth of malignant cells. This includes Hodgkin’s Disease, leukemia, lymphoma, carcinoma, sarcoma, malignant melanoma that is Diagnosed as Clark’s Level III or above or Breslow greater than .75mm and malignant tumors. Diagnosis must be made by a Pathologist based on a microscopic examination of fixed tissue or preparations from the hemic system.
For purposes of the policy, the following are not considered Cancer (Internal Cancer): pre-malignant conditions or conditions with malignant potential, cervical intraepithelial neoplasia (CIN) stages I and II, Carcinoma In-Situ, Non-Invasive Carcinoma In-Situ, Leukoplakia, hyperplasia, polycythemia, moles, lesions, Skin Cancer.
Non-Invasive Carcinoma In-Situ
A localized malignant tumor, which contains one or several cells that have the potential to invade or metastasize but have not yet done so. This excludes Skin Cancer. Diagnosis must be made by a licensed Pathologist.
Heart Attack
The death (infarction) of a portion of the heart muscle as a result of inadequate blood supply. Diagnosis of a Heart Attack must be made by a Lefally Qualified Physician who is a board certified Cardiologist. Diagnosis of a Heart Attack must be based on all of the following criteria:
(1) associated new EKG changes consistent with injury; (2) elevation of cardiac enzymes above generally accepted laboratory levels of normal (a diagnostic elevation of Troponin I or in the case of CPK, a CPK MB measure- ment must be used) and (3) confirmatory imaging studies such as thallium scans, MUGA scans or stress echocardiograms.
The following are not considered a Heart Attack: an EKG change consistent with transient ischemic change, angina, or chance finding of EKG changes suggestive of a previous Heart Attack, or death of the heart muscle coincident with death of an insured from other causes.
In the event of death, an autopsy confirmation and deat certificate identifying Heart Attack as the cause of death will be accepted.
Stroke
A cerebrovascular event resulting in permanent neurological damage, includ- ing infarction of, hemorrhage of, or embolization to brain tissue from an extracranial source. Diagnosis of Stroke must be made by a Legally Qualified Physician who is a board certified Neurologist. Diagnosis of a Stroke must be based on the following criteria:
(1) documented neurological impairment or deficits; and (2) confirming neuro- imaging studies.
Stroke does not mean a cerebrovascular event resulting from a head Injury, transient ischemic attack, chronic cerebrovascular insufficiency and revers- ible ischemic neurological deficits.
Coronary Artery Bypass Surgery (surgical treatment)
The first ever heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass frafts, performed by a Legally Qualified Physician who is a board certified Cardiothoracic Surgeon. Payable for one Coronary Artery Bypass Surgery per insured person.
Angioplasty
The undergoing of angioplasty, atherectomy or laser treatment for coronary artery disease, which cannot be adequately controlled by medical therapy, following a recommendation by a cardiologist. Angiographic evidence of the underlying disease must be provided.
Useful Facts
- This Policy is guaranteed renewable to age 75 by the timely payment of premi- ums. It must be paid on or before its due date, or within the 31 days that follow. When an Insured’s coverage terminates at age 75, coverage for other Insured persons, if any, shall con- tinue under this policy.
- To keep premiums as low as possible, RE-Cover uses Attained Age Pricing. This method can save 20% – 30% or more during your first 10 Years com- pared to similar insurance plans using Issue Age Pricing. By gradually increas- ing costs in small increments each year, RE-Cover minimizes up front costs, where as Issue Age Pricing starts out much higher but can remain at the same premium for several years.
Download the Brochure:
How will your family recover from an illness? find out here.
Talk With an Agent
(888) 644-5688
info@healthsaverplus.com
P.O. Box 1156 Jacksonville, AL 36265
How RE-Cover Care Pays you
A diagnosis of a covered condition such as a Heart Transplant will triger a lump sum cash payment of 100% of the Policy Benefit Level to the insured (100% of a $50,000 Benefit Level is $50,000). If the covered condition was a Kidney Trans- plant instead, the cash benefit would be paid at 50% of the Benefit Level (50% of $50,000 is $25,000). Refer to the Benefit Charts below for more information.
If you collect a benefit for a diagnosed illness or procedure under this policy in one category of benefits and then have a second diagnosis in another category under this policy, the carrier will pay the maximum benefit to you again.
If a partial benefit is paid, the remainder of the benefit will be payable upon the diagnosis of another covered condition.
Category 1 Benefits
- Cancer (Internal Cancer)* – 100%
-
Non-Invasive Carcinoma In-Situ – 25%
Category 2 Benefits
- Heart Attack 100%
- Stroke 100%
- Coronary Artery Bypass** 25%
- Angioplasty 10%
- Pacemaker Implant – Single Chambered 30%
- Pacemaker Implant – Double Chambered 40%
- End Stage Renal Failure 100%
- Organ Transplant (kidney) 50%
- Organ Transplant (heart, lung, liver and pancreas) 100%
*Excludes pre-malignant conditions or conditions with malignant potential; cervical intraepithelial neoplasia (CIN) stage I and II; Carcinoma In-Situ and Skin Cancer. ** Payable for one Coronary Artery Bypass Surgery only.
“I bought RE-Cover care for the lump sum benefit. When I had to use it, I was so glad I did. Having this policy took the financial burdon of bills away from my family. “
Robert
Client
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