AG CancerCare Platinum Plus Initial Diagnosis Benefit First occurrence Internal cancer only (one-time payment)

Transcription

1 AG CancerCare from American General Life Insurance Company (American General Life) is a specified disease policy that pays benefits for expenses related to the diagnosis and treatment of cancer, as well as other cancerrelated expenses. Benefits are paid without regard to coverage from other health insurance policies. Specific benefits are outlined in the table below. AG CancerCare Initial Diagnosis Benefit First occurrence Internal cancer only (one-time payment) $3,000 Hospital-Related Benefits Hospital confinement $350 per day for first 75 days; thereafter $700 per day per confinement; no lifetime limit Government hospital $300 per day in lieu of hospital confinement, intensive care and extended hospital confinement; no lifetime limit Ambulance to/from hospital Actual charges Physician visits while confined $50 per day; no lifetime limit Nursing services rendered in hospital Actual charges up to $100 per day while confined to a hospital Intensive Care Unit $500 per day, limited to the lesser of: (i) 30 days each ICU confinement or (ii) the number of days remaining in each ICU confinement; no lifetime limit; no hospital confinement benefit is paid while this benefit is being paid Transportation to nonlocal hospital Aircraft/railroad/bus: actual cost, up to $2,000 lifetime limit Private automobile: $0.50 per mile, for distances not less than 100 miles, up to $2,000 lifetime limit Surgery-Related Benefits Internal cancer surgery (not applicable in Pennsylvania) Payable per surgical schedule Up to $5,000 Skin cancer surgery (per occurrence) Biopsy: $100 Excision of lesion of skin without flap or graft: $250 Flap or graft without excision: $375 Excision of lesion of skin with flap or graft: $600 Anesthesia Other than skin cancer: up to 25 percent of the applicable surgical schedule amount Skin cancer: up to $30 each surgery Second surgical opinion Up to $250; no lifetime limit Bone marrow transplant Inpatient: up to $10,000 Outpatient: up to $5,000 $10,000 lifetime limit Not payable for the same procedure as stem cell transplant Ambulatory surgical center $300 each day a surgical procedure is performed in an ambulatory center; no benefit while confined in hospital Stem cell transplant Up to $2,500 lifetime maximum; not payable for same procedure as bone marrow transplant

2 AG CancerCare Out-of-Hospital Benefits Nursing services under home health care plan Up to $75 per day; $2,500 per calendar year Skilled nursing facility confinement Up to $100 per day; limited to number of days paid for immediately preceding hospital confinement Hospice care Up to $100 per day for 60 days; up to $75 per day thereafter; $15,000 lifetime limit Treatment-Related Benefits Radiation and chemotherapy Up to $1,200 per month; no lifetime limit Blood and plasma Inpatient: up to $3,000 lifetime limit Outpatient: up to $300 per day with no lifetime limit Antinausea prescriptions Up to $100 per month Experimental treatment Up to $300 per day; no lifetime limit; not payable on same day that radiation or chemotherapy benefit is payable Death Benefits Death benefit due to cancer Payable to age 65 $5,000 Other Benefits Specified disease screening test Age 35 and above; up to $75 per calendar year Prosthesis Surgically implanted: up to $3,000 Nonsurgically implanted: up to $300 lifetime Waiver of premium Available after four months of continuous total disability; applies only to primary insured; premiums waived for up to five years Disability income $200 per week for total disability after a 14-day waiting period; lifetime cumulative period of 26 weeks Lodging benefit Up to $75 per day Limited to 60 days per calendar year Must be more than 100 miles from insured s residence Not payable for lodging more than 24 hours prior to or following treatment National Cancer Institute evaluation One-time benefit; $500 benefit plus $250 transportation and lodging if facility is more than 100 miles from insured s residence; not available for same day as second surgical opinion This policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from (1) cancer that was manifested in the first 30 days after coverage takes effect, or (2) cancer that was first manifested in the insured spouse or an insured child within 30 days after becoming covered under the policy; however, an insured child born after the date of application will be covered for cancer from birth. The foregoing benefits are subject to the terms and conditions of the AG CancerCare policy. State variations may apply. Consult your policy or your agent for specific benefits offered in the plan. The underwriting risks, financial obligations and support functions associated with the products issued by (American General Life) are solely its responsibility. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. AGLC100616

3 AG CancerCare from American General Life Insurance Company (American General Life) is a specified disease policy that pays benefits for expenses related to the diagnosis and treatment of cancer, as well as other cancer-related expenses. Benefits are paid without regard to coverage from other health insurance policies. Specific benefits are outlined in the table below. Surgical Schedule Two or more surgical procedures performed at the same time through the same incision or in the same area will be deemed one surgery, the surgery with the highest surgical benefit. For any surgical procedure not listed on the surgical schedule, American General Life will determine the amount on a basis consistent with the schedule; the amount will not be greater than $5,000 for the plan for any surgical benefit not listed, or not greater than 25 percent of the surgical benefit for any anesthesia benefit. Surgical Procedure AG CancerCare Abdomen Complete resection of the stomach $4,000 Partial resection of the stomach $3,000 Resection of the small bowel $2,750 Resection of the ascending or transverse colon $3,000 Combined abdominal perineal resection for cancer of the rectum or sigmoid $3,750 Colostomy $1,750 Ileostomy $2,250 Resection of esophagus $4,750 Gastrostomy $2,250 Splenectomy $2,500 Complete cystectomy with ureteral transplant $5,000 Amputations Thigh $2,250 Leg $1,750 Entire foot $1,750 Arm $1,750 Forearm $1,500 Entire hand $1,250 Fingers, each $500 Chest Complete lobectomy $3,750 Eye Enucleation with complete resection $1,500 Brain Complete removal of cancer of the brain $5,000 Breast Amputation of one breast $1,250 Amputation of both breasts $2,000

4 Surgical Procedure AG CancerCare External Genitalia Women Complete excision for removal of the vulva* $4,000 Complete excision for removal of the vagina* $5,000 Cauterization of the cervix $250 * including regional lymph nodes Men Cancer of penis complete excision of regional lymph nodes $4,000 Orchiectomy, bilateral $1,250 Genito-Urinary Tract Removal of kidney $2,750 Removal of prostate, complete procedure $2,750 Removal of uterus, tubes and ovaries $2,500 Mouth Total glossectomy $2,750 Neck Complete lymphadenectomy $2,500 Rectum Proctectomy $3,750 Spinal Operation with removal of portion of vertebra or vertebrae $2,000 Throat Excision of larynx $4,250 Subtotal thyroidectomy $2,250 Exclusions The policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from the following: Cancer that was manifested in the first 30 days after coverage takes effect Cancer that was first manifested in the insured spouse or an insured child within 30 days after becoming covered under the policy; however, an insured child born after the date of application will be covered for cancer from birth The foregoing benefits are subject to the terms and conditions of the AG CancerCare policy. Surgical schedule not applicable in Pennsylvania. State variations may apply. Consult your policy or your agent for specific benefits offered in the plan. The underwriting risks, financial obligations and support functions associated with the products issued by (American General Life) are solely its responsibility. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. AGLC100615

5 Cancer: Managing the Risk Over the years, your clients have looked to you for the coverage they need to protect themselves and their loved ones from financial burdens. Now (American General Life) introduces a supplemental product that delivers reliable coverage when it is needed most AG CancerCare. Each year, over one million Americans are diagnosed with some form of cancer. 1 Fortunately, more patients than ever are living full and rewarding lives, even though cancer continues to be a threat both physically and financially. While advanced treatments have vastly improved the outlook for millions of patients, the costs of these treatments can sometimes be overwhelming. An AG CancerCare policy from American General Life can help manage these costs by paying benefits for expenses related to the diagnosis and treatment of cancer, as well as other cancer-related expenses, without regard to coverage provided by other health insurance policies. If cancer strikes your family, AG CancerCare can provide the protection they need to face the future with confidence. About AG CancerCare When we designed AG CancerCare, we started by examining the needs of real cancer patients. Then we created an affordable solution for meeting those requirements, supported by a user-friendly claims process that delivers timely payments directly to the policyholder. Our AG CancerCare policy covers most in- and out-ofhospital medical services, as well as chemotherapy, transplants, ICU confinement, National Cancer Institute evaluations and more. For more information on how AG CancerCare can help you enhance your client relationships, contact: Policy Highlights Initial diagnosis benefit of $3,000 Hospital-related benefits: hospital confinement, ambulance services, physician visits, nursing services Surgery-related benefits: internal cancer surgery, skin cancer surgery, anesthesia Out-of-hospital benefits: home nursing services, skilled nursing facilities, hospice care Treatment-related benefits: radiation, chemotherapy, blood/plasma transfusions Other benefits that cover disease screening tests, prosthetic devices, disability income and more 1 Source: American Cancer Society, Cancer Facts & Figures 2003, page 4. Available online at The stated benefits are subject to the terms and conditions of the AG CancerCare policy. Consult the policy for specific benefits offered in the plan. The AG CancerCare policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from (1) cancer that was manifested in the first 30 days after coverage takes effect, or (2) cancer that was first manifested in the insured spouse or an insured child within 30 days after becoming covered under the policy; however, an insured child born after the date of application will be covered for cancer from birth. The underwriting risks, financial obligations and support functions associated with the products issued by (American General Life) are solely its responsibility. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. AGLC FOR AGENT USE ONLY NOT FOR DISSEMINATION TO THE PUBLIC

6

7 Cancer: Managing the Risk We re committed to our clients security just like you re committed to your own family s security. That s why we provide quality products designed to make sure you ll have the protection you need, when you need it. Now we re pleased to offer an additional solution that delivers dependable coverage when you need it most AG CancerCare. Each year, over one million Americans are diagnosed with some form of cancer. 1 Fortunately, with some cancers approaching unprecedented survival rates, more patients than ever can continue to live full, rewarding lives. While advanced treatments have vastly improved the outlook for millions of patients, the costs of these treatments can sometimes be overwhelming. Supplemental cancer insurance can help manage these costs by picking up where traditional health insurance leaves off. If cancer strikes your family, a cancer insurance policy can provide the protection you need to face the future with confidence. About AG CancerCare When we designed AG CancerCare, we started by examining the needs of real cancer patients. Then we created an affordable solution for meeting those requirements, supported by a user-friendly claims process that delivers timely payments directly to you, unless you assign payment to a health care provider. Our AG CancerCare policy covers most in- and out-ofhospital medical services, as well as chemotherapy, transplants, ICU confinement, National Cancer Institute evaluations and more. AG CancerCare is something you hope you ll never need. But should that need ever arise, you can rest assured that you re covered by a top-quality policy from one of the most trusted names in the insurance industry. Policy Highlights (Consult the policy for full terms and conditions) An initial diagnosis benefit of $3,000 Hospital-related benefits, such as hospital confinement, ambulance services, physician visits and nursing services Surgery-related benefits, including internal cancer surgery, skin cancer surgery and anesthesia Out-of-hospital benefits like home nursing services, skilled nursing facilities and hospice care Treatment-related benefits, including radiation, chemotherapy and blood/plasma transfusions Other benefits that cover disease screening tests, prosthetic devices, disability income and more 1 Source: American Cancer Society, Cancer Facts & Figures 2003, page 4. Available online at For information on AG CancerCare or other insurance products, please complete and return this reply card. Name: Spouse: Address: City: State: ZIP: Home phone: Best time to call: Date of birth: Date of birth: The underwriting risks, financial obligations and support functions associated with the products issued by (American General Life) are solely its responsibility. American General Life is responsible for its own financial condition and contractual obligations. Office phone: address: Best time to call: American General Life does not solicit business in the state of New York. AGLC100647