Guardian Care

Critical Illness Plans

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Guardian Care is a non-medical plan which pays a lump sum benefit on the first diagnosis of Cancer, Stroke, Major Burns or Heart Attack.

Maximum coverage:

$1,500,000

Minimum coverage:

$500,000

Issue ages:

The policy may be issued to males and females, ages 18 to 60 years nearest birthday.

Claims:

Claims must be made in writing no later than six (6) months after the first diagnosis of Cancer, Stroke, Major Burns or Heart Attack.

Exceptions:

No benefits are payable on diagnosis of a critical illness if it were caused by or resulted from:

Intentional self-inflicted injuries, while sane or insane;
Committing, attempting or provoking any criminal offence;
Any pre-existing condition.

A pre-existing condition is either:The existence of symptoms which could cause an ordinary prudent person to seek diagnosis, care or treatment before the policy was in force or before the end of the elimination period; or A condition for which medical advice or treatment was recommended before the policy was in force or before the end of the elimination period.

Elimination period:

This is a period of 180 days after: a) Commencement of the policy as shown in the policy schedule, or b) In the case where the policy has been reinstated, the date of revival. If the first diagnosis is made or death occurs during the elimination period, only premiums paid will be refunded.

Grace period:

The grace period is 30 days after a renewal premium is due. Your policy will lapse if your premium is not paid within the grace period.

Cash value:

The policy has no cash value or bonus.

Ambulance benefit:

Guardian Life will pay the current maximum payable per life, (the current maximum is J$5,000) if as a result of the first diagnosis of the Life Insured with Cancer, Stroke, Major Burns or Heart Attack, the Life Insured was transported in an ambulance to a hospital.

Death benefit:

All premiums paid are refunded upon death, if death occurs during the premium paying period and before Cancer, Stroke, Major Burns or Heart Attack is first diagnosed.

Premium refund benefit:

At the expiry date, if there was no claim paid, all premiums paid will be refunded and the policy will terminate.

Expiration:

Expiry date is the policy anniversary upon which the Life Insured attains age 75 or the 20th policy anniversary, whichever is later.

Termination:

The plan will terminate upon the payment of a claim or at expiry date, whichever occurs first.

Reinstatement:

The policy may be revived once within 120 days from the due date of the first unpaid premium. Upon approval for revival, the date on which the policy is revived will be deemed as the date of revival. A new elimination period would then be calculated from the date of revival.

MedeCus
Guardian Life
Pension

Agent of the Month

- January 2012

Leroy Dallas

Premier 3

Leroy Dallas has risen to the top because he consistently interfaces with his clients to prepare them for life’s financial challenges and opportunities.

This Life Guardian has earned the confidence of his clients, who trust him with what matters most to them… their lives.

Guardian Care

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