Critical Illness Plans

Critical Illness Plans from Guardian Life

Ultimate Provider

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A comprehensive underwritten critical illness plan covering 23 illnesses/events – including occupational HIV & Major Organ failure requiring transplant (first ever in Jamaica). It provides investment opportunities.

Two Purchase Options are Provided

Option 1

Maximum coverage: 
$40,000,000
Minimum coverage: 
$1,000,000
Issue ages: 
The plan is issued to persons aged 20 to 60 years, nearest birthday. Persons must prove insurability.
Benefit: 
On first diagnosis of any of the 23 illnesses/events covered where death does not occur within 30 days of the diagnosis the basic sum assured & the bid value of units less any indebtedness is payable If death occurs before the 30 days after diagnosis/occurrence or prior to the illness the bid value of the units less any indebtedness is payable. A 90 day waiting period is applicable after purchase or reinstatement.
Exceptions: 

There are some conditions under which the plan will not pay (please discuss with your advisor).

Claims must be made no later than six (6) months after the first diagnosis or occurrence of any of the insured events.

Payment of premiums: 

Premiums are payable until:

  • The date of death of the Life Insured
  • The date any of the insured events as defined in the contract occurs
  • The policy anniversary after the Life Insured attains age 75.

 

The plan has an automatic premium payment feature and allows premium to be paid from funds where this is sufficient and premiums are overdue beyond the Grace Period.

Additional details: 

Investment

 

There is the opportunity to accumulate cash by investing in any combination of five investment funds. Persons should choose depending on risk profile. The funds are:

  • Guardian Equity Fund
  • Guardian Money market Fund
  • Guardian Long Term Growth Fund
  • Guardian Stabilization Fund
  • Guardian Foreign Currency Indexed Fund

Details of these funds are to be discussed with your advisor.

Guardian Care Plus

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Guardian Care Plus is a non-medical plan which pays a lump sum benefit on the first diagnosis of Cancer, Stroke, Major Burns, Heart Attack, Blindness, Coma, Paralysis, Multiple Sclerosis, Deafness or Loss of Speech.

Maximum coverage: 
$2,500,000
Minimum coverage: 
$500,000
Issue ages: 
The policy may be issued to males and females, ages 18 to 60 years nearest birthday.
Exceptions: 

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

  1. Intentional self-inflicted injuries, while sane or insane; 
  2. Committing, attempting or provoking any criminal offence; 
  3. 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: 

  • Commencement of the policy as shown in the policy schedule, or 
  • 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 any of the 10 named illnesses the Life Insured was transported in an ambulance to a hospital.
Death benefit: 

If death occurs as a result of any critical illness covered under this plan while the policy is in force and no claim relating to the cause of death had previously been made, then the sum assured less any indebtedness will be paid. Otherwise, the amount payable on the death of the life insured, while the policy is in force, is a sum equal to the total of all premiums paid as at the date of death, less any indebtedness.

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.

Guardian New Life Plus

New Life Plus is a rider (an additional benefit that is attached to a life policy) which provides a lump sum benefit payable on the first diagnosis of a critical illness.

Purpose: 
To provide cash in the event of any one of the under mentioned critical illnesses.
Maximum coverage: 
$6,000,000
Minimum coverage: 
$500,000
Issue ages: 
The policy may be issued to males and females between the ages of 16 and 55 years.
Benefit: 
The coverage is payable on the first diagnosis of any of the following critical illnesses where death has not occurred within thirty (30) days immediately following the date of diagnosis: Blindness Heart Attack Paralysis Cancer Kidney Failure Stroke Coma Major Burns The Rider will then cease to be in force.
Claims: 
Claims must be made no later than six (6) months after the first diagnosis of a critical illness.
Exceptions: 

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

  • Intentional self-inflicted injuries, while sane or insane
  • Committing, attempting or provoking any criminal offence
  • War, declared or undeclared, or any civil disturbance
  • Military service
  • Intoxication by substances other than those prescribed by a licensed physician, or the inhalation of any gas or toxic substance
  • Pregnancy, miscarriage or childbirth
  • Taking part or attempting to take part in any capacity in aerial flights except as a fare-paying passenger on an airline which has regularly published schedules and which is licensed by the country in which it is registered to carry passengers for hire.
  • Any pre-existing condition known but not disclosed to the company.

Payment of premiums: 

The premium, in respect of this rider, is payable on the due dates specified on the policy schedule until any one of the following:

  • The date of death of the life insured
  • The date the life insured is diagnosed as having one of the critical illness outlined above
  • The policy anniversary after the life insured attains age 65

The premium in respect of the rider, shall be payable along with the premiums on the life policy and will not be accepted separately.

Non-payment of premiums: 

Should any premium payable in respect of this Rider not be paid on or before its due date:

  • The unpaid premium may be paid without addition in the 30 days grace period following such due date, and until the end of the 30 days grace the Rider shall remain in force. If the said premium is unpaid at the end of the 30 days grace period the Rider shall lapse forthwith.
  • After the Rider has lapsed all benefits thereunder shall cease and it shall not be competent for the Life Insured to revive such Rider except with the consent of the company and on such terms and conditions including evidence of insurability as it deems fit to require.

The inadvertent acceptance by the company of payments of a premium when no longer due will not constitute a waiver of this provision. The premium will be refunded. 

Additional details: 
DEFINITION OF CRITICAL ILLNESSES
 
Blindness
Total, permanent and irreversible loss of vision in both eyes.
 
Cancer
Cancer is the presence of an uncontrolled growth and the spread of malignant cells.
Incontrovertible evidence of the invasion of tissue or definite histology of a malignant growth must be produced. 
The term “cancer" also includes LUKEMIA, LYMPHOMA and Hodgkin’s disease.
 
Exclusions:
  • Carcinoma in situ
  • All skin cancers except malignant melanomas
  • Squamous cell carcinoma
  • Cancers caused directly or indirectly by AIDS, HIV infection, and other conditions related to or arising from HIV infection, including but not limited to Karposi’s Sarcoma.
  • All tumours which are histologically described as pre-malignant, showing early malignant change, or having malignant potential.
  • Stage 1 Hodgkin’s disease.
Coma
A state of unconsciousness with no reaction to external stimuli or internal needs, persisting continuously with the use of life support systems for a period of at least 140 hours.
 
Heart Attack
Being the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area, the diagnosis being evidenced by a history of typical chest pain, new electro-cardiographic changes and by elevated levels of cardiac enzymes.
 
Kidney Failure
Being end stage renal failure presented as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated, or renal transplant is carried out.
 
Major Burns
Third degree burns covering at least 20% of the surface of the person’s body.
 
Paralysis
Complete and permanent loss of use of two or more limbs through paralysis.
 
Stroke
Being any cerebrovascular incident producing sequelae lasting more than 24 hours and including infraction of the brain tissue, haemorrhage and embolisation from an extra-cranial source. Evidence of permanent neurological deficit must be produced. Transient ischaemic attacks are not covered.

Guardian New Life

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A non-medical 20 year premium-paying plan which provides for a lump sum benefit on the first diagnosis of cancer.
Purpose: 
To provide cash on the first diagnosis of cancer.
Maximum coverage: 
$1,000,000
Minimum coverage: 
$350,000
Issue ages: 
The policy may be issued to males and females between the ages of 16 and 60 years.
Benefit: 
The Basic Sum Assured is payable on the first diagnosis of cancer and where death does not occur within 30 days immediately following the date of diagnosis. The policy will then terminate.
Claims: 
Claims must be made in writing no later than six (6) months after diagnosis of cancer.
Exceptions: 
No benefit is payable on diagnosis of cancer if it was caused by or resulted from any “Pre-Existing Condition".
 
A Pre-Existing Condition is either:
The existence of or 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 waiting period; 
 
or
 
A condition for which medical advice or treatment was recommended before the policy was in force or before the end of the waiting period.
Death benefit: 

All premiums paid are refunded on death if death occurs before cancer is first diagnosed.

Premium refund benefit: 
At the end of 20 years, all premiums paid will be refunded and the policy will terminate.
Payment of premiums: 

Premiums are payable for 20 years.

Non-payment of premiums: 

The policy will lapse without value if premiums are not paid within 30 days after they fall due.

Reinstatement: 
Reinstatement is not contractual. The policy may be revived once only if outstanding premiums are not more than 120 days.

Guardian Provider

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Guardian Provider is a medical plan designed specifically to shield you and your family from the financial constraints of 12 major illnesses.

  • Blindness
  • Kidney Failure
  • Cancer
  • Major Burns
  • Coma
  • Major Organ Transplant
  • Coronary Artery Disease Surgery
  • Multiple Sclerosis
  • Heart Attack
  • Paralysis
  • Heart Valve and Structural Surgery
  • Stroke
Maximum coverage: 
$6,000,000
Minimum coverage: 
$750,000
Issue ages: 
The policy may be issued to males and females ages 16 to 55, nearest birthday.
Benefit: 
Payable on the 1st diagnosis of any of the Critical Illnesses named in the contract.
Claims: 
Must be made no later than six (6) months after the first diagnosis of a Critical illness.
Elimination period: 

90 days from commencement date during which no benefits are payable.

Grace period: 
30 days after a renewal is due. The policy will lapse if your premiums are not paid in the grace period.
Cash value: 
The Policy has no Cash Value.
Death benefit: 

No benefit is payable on death.

Premium refund benefit: 
If no benefit has been paid in respect of the illness covered, all premiums paid will be refunded at age 65.

Guardian Care

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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:

  1. Intentional self-inflicted injuries, while sane or insane;
  2. Committing, attempting or provoking any criminal offence;
  3. 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.

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MedeCus
Guardian Life
Pension

Agent of the Month
- March 2012
Georgia Williams

Premier 2

Georgia exemplifies the saying our hero, the late Marcus Mosiah Garvey :

"The height of great men reached and kept was not attained by sudden flight, but they while their companion slept was toiling upward through the night.”

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