Personal cancer (Platinum Plus) Insurance by American General

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1 Personal cancer (Platinum Plus) Insurance by American General Affordable cancer insurance for you and your family Employee Brochure Policy issued by: American General Life Insurance Company

2 Tom s Story 1 When Tom was diagnosed with cancer, his medical insurance didn t cover all of his costs and his disability policy only covered part of his income. Fortunately, Tom was also covered by a Personal Cancer Platinum Plus insurance policy. Not only did he receive a benefit upon diagnosis, but the policy also filled many of his coverage gaps. Did You Know? Men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three. Source: American Cancer Society. Cancer Facts & Figures Atlanta: American Cancer Society; Why Cancer Insurance? Regardless of a person s age or lifestyle, the risk of cancer is a reality and the costs can be overwhelming. Even if you already have a good health insurance policy, a cancer diagnosis can lead to financial difficulties. co-pays, deductibles and some prescription expenses must be paid out-of-pocket costs such as travel, nursing services or lost income are not covered by traditional health plans Benefit limits and uncovered treatments Experimental treatments Cancer insurance can help you protect your family against the financial burdens a cancer diagnosis can bring about. How Does Personal Cancer Platinum Plus Insurance Work? Upon diagnosis of cancer, Personal Cancer Platinum Plus insurance will pay an initial lump-sum benefit, then deliver timely payments to cover services and treatments as they re received. Traditional insurance pays directly to the hospital You Pay any additional costs not covered by your insurance provider. Personal Cancer Platinum Plus insurance pays you Pays a lump-sum benefit directly to you upon diagnosis. Pays additional benefits, also directly to you, for a wide variety of treatments and services as they re received.

3 What Can Personal Cancer Insurance Offer Me? Added Security covers a broad array of the costs surrounding a cancer diagnosis, including radiation, surgery and some prescriptions Guaranteed renewable for life As an employee, if you were to leave the company, you may be able to take your benefits with you as long as you pay the premium Financial Advantages Priced to fit your budget All benefits are paid directly to you, to use as you see fit Your premiums will be waived if you become disabled for four months or more Convenience and Flexibility Issued based on your answers to a few simple health questions Select the benefit amount that fits your family s needs Premiums paid through payroll deduction no checks to write Personal Cancer Platinum Plus Insurance Benefits Initial Diagnosis Benefit First Occurrence Internal cancer only Hospital-Related Benefits Hospital Confinement $350 per day for first 75 days, $700 per day thereafter per confinement; no lifetime limit Government Hospital $300 per day in lieu of hospital confinement, intensive care and extended benefits; 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: (1) 30 days each ICU confinement or (2) 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 Non-local 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 Payable per surgical schedule $3,000 Up to $5,000

4 Personal Cancer Platinum Plus Insurance Benefits (continued) Surgery-Related Benefits (continued) 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 Out-of-Hospital Benefits Nursing Services (under home healthcare 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; $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 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 $5,000

5 Personal Cancer Platinum Plus Insurance Benefits (continued) Other Benefits (continued) Waiver of Premium available after 4 months of continuous total disability; applies only to primary insured; premiums waived for up to 5 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 Sample weekly rates for a Personal Cancer insurance individual plan (premiums vary by issue state): 2 Affordable Coverage 3 Issue Age Personal Cancer Platinum Plus 25 $ $ $ $11.40 About American General Life Companies* American General Life Companies are collectively some of the top issuers of insurance by face amount in the U.S. and industry leaders in our core business. American General Life Companies insurers are closely regulated by state insurance departments. over the past five years alone, member insurers of American General have collectively paid out more than $34 billion in claims and benefits to customers and businesses. * American General Life Companies, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc. Source: Statutory Annual Statements for American General Life Companies member life insurers, Information presented in this brochure represents combined statistical information of the member insurers of American General Life Companies. American General Life Companies does not underwrite any insurance policy described within this brochure. The licensed insurance company underwriting the product is responsible for its own financial condition and contractual obligations. The most prominent independent ratings agencies continue to recognize American General Life Companies (American General) member companies in terms of insurer financial strength. For current insurer financial strength ratings, please consult our Internet Web page, My Personal Cancer Platinum Plus Insurance Policy (to be completed upon enrollment) The total cost for your Personal Cancer Platinum Plus coverage will be $ per pay period. 4 Please see policy for more information.

6 Limitations and Exclusions No benefits are payable for any cancer that first manifests itself: (a) within 30 days after coverage takes effect; or (b) in the insured spouse or an insured child within 30 days after becoming covered under this policy; however, an insured child born after the date of application will be covered for cancer from birth. Coverage for an insured child terminates on the policy anniversary following the insured child s 18th birthday (25th birthday if child is a full-time student). 1 Not an actual case; presented for illustrative purposes only. 2 Pricing current as of June Coverage level availability may vary. 4 The stated dollar amount is subject to approval; premiums may vary by state. Policy issued by: American General Life Insurance Company Houston, Texas Policy form number: American General Life Companies, is the marketing name for a group of affiliated domestic life insurers, including American General Life Insurance Company (AGL). The underwriting risks, financial and contractual obligations, and support functions associated with products issued by AGL are its responsibility. AGL does not solicit business in the state of New York. Policies and riders not available in all states. Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. This brochure is a summary and is not intended to be all-inclusive of products and services offered. Comprehensive medical coverage may be required in some states in order to apply for or maintain this policy All rights reserved. AGLC WS R07/11 Scan the QR code below with your Blackberry or smartphone to view the product page on our website and share via . Don t have this capability yet? Simply download a free QR code reader application on your mobile device. See the Benefit Solutions website for further details and instructions.