However, an Insured Child born after the date of application will be covered for the Critical Illnesses stated in the Policy Schedule from birth.

Transcription

1 LIMITATIONS We will not pay Benefits for any Critical Illness that is incurred or manifests, whichever is applicable, and is diagnosed: (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 the Critical Illnesses stated in the Policy Schedule from birth. PREXISTING CONDITION LIMITATION We will NOT pay any Benefit for a Preexisting Condition until this Policy has been in force two (2) years from the Date of Issue or Reinstatement. EXCLUSIONS We will not pay any Benefit for any loss to an Insured caused in whole or in part by, or resulting in whole or part from: (a) the Insured Person s suicide or attempt at suicide, or the Insured Person s intentionally self-inflicted injury or sickness, or any attempt at intentionally self-inflicted injury or sickness, while sane or insane; (b) the Insured Person s use of alcohol, one or more drugs or any other mind-altering substance, except for drugs taken as prescribed by a Physician; (c) the Insured Person s commission of or attempt to commit a felony, or the Insured Person s engagement in an illegal occupation; (d) the Insured Person s voluntary participation in any riot or civil insurrection; (e) declared or undeclared war, or any act of declared or undeclared war; (f) the Insured Person s operating, learning to operate, serving as a crew member of, or jumping, parachuting, or falling from an aircraft or hot air balloon, including those which are not motor driven; (g) the Insured Person s engaging in hang gliding, bungee jumping, parachuting, sailgliding, parasailing or parakiting or any similar activity; (h) the Insured Person s riding in or driving any motor driven vehicle in a race, stunt show or speed test; (i) the Insured Person s practicing for or participating in any semi-professional or professional competitive athletic contest for which such Insured Person received any type of compensation or remuneration; (j) the Insured Person s operating any type of land, water, or air vehicle while having a blood alcohol content at or above the level made illegal for operation of such vehicle by the jurisdiction where the Accidental Injury occurred; and (k) the intentional misuse of poisonous substance. United Security Health and Casualty 6640 South Cicero Ave. Bedford Park, IL P: P: F: USHC CI 09/15

2 Critical Illness Insurance If You Develop A Critical Illness, The Odds Are You Will Survive. With Our Help, You Can Handle All Of the Expenses That Come With It. Critical Illness Plan Highlights: Benefit Amounts up to $50,000 Guaranteed Renewability Return of Premium Option Issue Up To Ages 65 Affordable Supplement to Major Medical Plan

3 What Is Critical Illness Insurance? And Why Do I Need It? Did You Know? Critical Illness Can Happen To You: Stroke is the leading cause of serious, long-term disability in the United States. 1 The mean lifetime cost of an ischemic stroke in the United States is estimated at $140, There are over 11 million Americans alive with cancer today. Another 1.5 million new cancer cases are expected to be diagnosed in The 5-year survival rate for all cancers diagnosed is now up to 66%. 2 Critical Illness Plan Highlights: Benefit Amounts up to $50,000 Guaranteed Renewability Return of Premium Option* Issue Up To Ages 65 Affordable Supplement to a Major Medical Plan 1 American Heart Association, Heart Disease & Stroke Statistics Update. 2 American Cancer Society, Cancer Facts & Figures * Not available in all states Every Day More Americans Are Surviving Critical Illnesses... One out of every three Americans will be diagnosed with cancer during their lifetime. The good news is, more and more people are surviving critical illness events each year. The bad news is, most survivors don t have the means to recover financially. Loss of income, experimental treatments and the lifestyle changes that come with the illness are a financial drain. That s why United Security Health and Casualty has designed a plan that provides immediate financial relief from the most common critical illnesses. Upon diagnosis of a covered condition, we will pay a lump sum benefit - up to $50,000 - directly to you, with no restrictions on how you use the money. All of that protection is available for as little as $0.25 a day! Try It Risk-Free By selecting our optional Return of Premium Rider, you can take advantage of a money-back guarantee! Should you develop a covered critical illness, you ll still receive your benefit amount. On the other hand, if you keep the policy in place for over 20 years and wish to terminate your coverage, we ll return all of the premiums you ve paid over the life of the policy, less any fees or benefits paid. 02

4 Actual rates may vary. Please refer to USH&C Height & Weight Chart and Underwriting Guidelines for rate-up information. Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Male Male Male Male Male Male Male Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Male Male Male Male Male Male Male Female Female Female Male Male Male Extended Plan With Return of Premium (Non-Smoker) Extended Plan With Return of Premium (Smoker) Dependents Billing Fees: Annual - $0.00 Semi-Annual - $3.00 Quarterly - $2.00 Monthly - $1.00 PAC/Credit Card - $0.00 List (monthly) - $5.00 *Refundable in Arkansas and Indiana if insurance is denied, withdrawn, or policy is not taken. Application Fee - $25.00* To determine family rates, simply add the base monthly premium rates for all insureds, then multiply the total by 0.9 Example Scenario: 40 year old male (non-smoker), 36 year old spouse (non-smoker) and 10 year old dependent son apply for $25,000 of coverage in the Extended Plan with no Return of Premium. Primary Insured Base Rate -- $ Spouse Base Rate -- $ Dependent Base Rate -- $4.34 Combined Monthly Base Rate -- $53.73 x 0.9 = $48.36 Family Coverage 15

5 Critical Illness Rates Extended Plan Monthly Base Rates Application Fee - $25.00* Billing Fees: Annual - $0.00 Semi-Annual - $3.00 Quarterly - $2.00 Monthly - $1.00 PAC/Credit Card - $0.00 List (monthly) - $5.00 *Refundable in Arkansas and Indiana if insurance is denied, withdrawn, or policy is not taken. 14 Extended Plan (Non-Smoker) Dependents Extended Plan (Smoker) Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Female Female Male Male Male Male Male Male Male Male Male Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Female Female Male Male Male Male Male Male Male Male Male Female Female Female Male Male Male

6 The Perfect Complement to Health Insurance Every 30 seconds someone in the United States files for bankruptcy in the aftermath of a critical illness. And 75% of those people have health insurance! 3 As specialists in individual health insurance, we know the importance of keeping continuous health coverage in place. But every day, responsible Americans with comprehensive Major Medical insurance are falling further into debt because of medical bills. That s because most health insurance plans have gaps that a critical illness can exploit. Between the out-of-pocket expenses (deductibles, copays) and other costs that aren t covered on your health plan (excluded conditions, experimental treatments), you could still be left with thousands of dollars in medical bills. By combining our Critical Illness plan with a Major Medical plan, you can safeguard your finances against everyday injuries and the possibility of contracting a critical illness. The Costs of A Critical Illness: Direct Costs Deductibles Copays Experimental Treatments Policy Exclusions Out-of-Network Medical Costs Indirect Costs Lost Income Lifestyle Changes Modifications to Home Transportation & Lodging for Non-Local Treatment A Case Study: A 40-year old father of two develops lung cancer. His health insurance covers a portion of the medical bills. Fortunately, he also has a $50,000 Critical Illness Insurance Policy, which helps him pay the following: $2,500 to cover health insurance deductible $2,000 to cover the coinsurance on his health plan $20,000 in first year out-of-pockets costs for prescription drugs costs & treatments received at facilities outside of his health insurance network. $25,500 to replace lost income while he is off the job and recuperating from his illness. 3 Harvard Study, Illness and Injury as Contributors to Bankruptcy, February 2,

7 Critical Illness Plan Policy Provisions Plans Basic Plan Covered Conditions Invasive Cancer Heart Attack Kidney (Renal) Failure Stroke Major Organ Transplant In Situ Cancer* 10% *In Situ Skin Cancer Benefit is payable only once per lifetime per Insured Person. United Security Health and Casualty offers two Critical Illness plans. The Basic Plan covers six conditions (Invasive Cancer, Heart Attack, Kidney (Renal) Failure, Stroke, Major Organ Transplant and In Situ Cancer). The Extended Plan covers the same six conditions, plus Severe Burn, Paralysis, Loss of Sight, Loss of Hearing and Loss of Speech. Each plan also offers the Optional Return of Premium Rider (not available in Missouri). Eligibility Adults age are eligible to apply for coverage on either plan. The spouse and unmarried dependent(s) under the age of 26 are also eligible to apply for coverage. A newborn child of the Primary Insured is automatically and immediately covered under the Critical Illness policy under the same terms and conditions as any Insured Child. USH&C will send notification of the additional premium amount to cover the newborn child going forward. Family Discount On plans with more than one Insured Person, USH&C will discount the monthly base rate on the policy by 10%. Level Premiums Unlike some critical illness plans, we will not increase your renewal premiums each time you enter a new age bracket. However, USH&C does reserve the right to change the premium charged for this policy in the future. Any future change in premium will be done on a class basis - not individually - and will be based on the Insured(s) age on the date of issue. 04

8 Actual rates may vary. Please refer to USH&C Height & Weight Chart and Underwriting Guidelines for rate-up information. Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Male Male Male Male Male Male Male Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Male Male Male Male Male Male Male Female Female Female Male Male Male Basic Plan With Return of Premium (Non-Smoker) Basic Plan With Return of Premium (Smoker) Dependents Billing Fees: Annual - $0.00 Semi-Annual - $3.00 Quarterly - $2.00 Monthly - $1.00 PAC/Credit Card - $0.00 List (monthly) - $5.00 *Refundable in Arkansas and Indiana if insurance is denied, withdrawn, or policy is not taken. Application Fee - $25.00* To determine family rates, simply add the base monthly premium rates for all insureds, then multiply the total by 0.9 Example Scenario: 40 year old male (non-smoker), 36 year old spouse (non-smoker) and 10 year old dependent son apply for $25,000 of coverage in the Basic Plan with Return of Premium. Primary Insured Base Rate -- $ Spouse Base Rate -- $ Dependent Base Rate -- $4.37 Combined Monthly Base Rate -- $64.59 x 0.9 = $58.13 Family Coverage 13

9 Critical Illness Rates Basic Plan Monthly Base Rates Application Fee - $25.00* Billing Fees: Annual - $0.00 Semi-Annual - $3.00 Quarterly - $2.00 Monthly - $1.00 PAC/Credit Card - $0.00 List (monthly) - $5.00 *Refundable in Arkansas and Indiana if insurance is denied, withdrawn, or policy is not taken. 12 Basic Plan (Non-Smoker) Dependents Basic Plan (Smoker) Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Female Female Male Male Male Male Male Male Male Male Male Gender Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 Female Female Female Female Female Female Female Female Female Male Male Male Male Male Male Male Male Male Female Female Female Male Male Male

10 Benefit Amount: Benefits are available up to $50,000, in increments of $5,000. Primary Insured: From $5,000 - $50,000 Spouse: From $5,000 - $50,000 Dependent: 50% of Primary Insured Benefit Payment: USH&C will pay the maximum benefit amount for each Insured Person, if a Critical Illness is incurred or manifests itself and is diagnosed more than 30 days after the policy effective date. Your lump sum payment will be calculated by the benefit amount you have selected and the maximum benefit percentage, which varies by condition, as shown in the accompanying charts and as stated in your policy. For instance, if you have selected a $50,000 benefit and develop In Situ Cancer, your benefit amount will be ($50,000 x 10%) = $5, However, your policy would remain in place with a new maximum benefit amount of $45,000. Return of Premium Option* (Available at Issue Ages Between 18-55) This optional benefit provides for a return of the total premiums paid under the policy. The Return of Premium Rider will return of premiums, less any fees or claims paid, after the policy has been in effect for 20 full years. Once this benefit has been paid, the policy will be terminated, and no other benefits will be in effect. There are no benefits under this provision in the event of death or if the full benefit amount of the policy has been paid. Extended Plan Covered Conditions Invasive Cancer Heart Attack Kidney (Renal) Failure Stroke Major Organ Transplant In Situ Cancer* Severe Burn Paralysis Quadriplegia Paraplegia Hemiplegia Loss of Sight Loss of Speech Loss of Hearing 10% 50% 50% *In Situ Skin Cancer Benefit is payable only once per lifetime per Insured Person. 4 The payment of benefits for a Critical Illness is subject to the following conditions: a) the Critical Illness must be incurred as stated in the policy; b) the Critical Illness must be diagnosed while the coverage on an Insured Person is effective under the policy; c) the Critical Illness must be diagnosed within the United States or its territories; d) the Criticall Illness must manifest as stated in the policy; and e) the benefit payment must not be precluded by any general or specific exclusion or any failure to meet any other condition stated in the policy. Extended Plan Covered Conditions * Not available in all states 05

11 Critical Illness Plan Policy Provisions Policy Period / Guaranteed Renewability Frequently Asked Questions Q: A: Q: A: If I have a Cancer In Situ, Paraplegia or Hemiplegia and I receive a portion of the benefit amount, what happens to the remainder of the policy benefit? Your maximum benefit is reduced by the amount paid to you and the policy remains in force. The remainder of the benefit becomes your new maximum benefit. Are the benefits received from a Critical Illness Policy income-tax free? If insurance premiums are paid with aftertax dollars, the benefits from the plan are received income-tax free. 5 5 Based on current federal income tax laws. You should always consult your personal tax advisor for a definitive answer to any insurance-related tax questions. Assuming the timely payment of premiums, the policy will remain in effect until age 75, subject to the termination provision of the policy. Termination of Coverage Your Critical Illness policy terminates on the earliest of: a) the date that of the Critical Illness Maximum Benefit Amount is paid for all Insured Persons; b) any premium due date requested by the Primary Insured in writing; c) the Policy anniversary on or following the 75th birthday of all Insured Persons; d) the death of the Primary Insured and the Insured Spouse. e) the date on which this Policy lapses or terminates for the failure to meet a condition required in the Policy; Conversion Privilege We will issue a separate Critical Illness Policy to an Insured Child and/or Insured Spouse. Written application with payment of the first premium for such New Policy must be made: (a) by the Insured Child within 31 days following his or her termination of coverage under this Policy; or (b) by the Insured Spouse within 31 days following termination of marriage by divorce decree and prior to this Policy s anniversary on or next following the Insured Spouse s 69th birthday. The New Policy will be issued: a) without evidence of insurability; b) with the same exclusions for conditions applicable to such Insured Person, if any, as included in the original Policy; c) with a current Date of Issue; d) with the premium determined by USH&C based on the same premium class as the original Policy and our published rates at such Insured Person s age and gender on the date of application for the New Policy; and e) with benefits payable, if any, reduced by any benefits previously paid for the Critical Illness stated in the Policy Schedule. 06

12 PARALYSIS/PARALYZED PARALYSIS/PARALYZED means Quadriplegia, Paraplegia, or Hemiplegia that is expected to last for a continuous 12-month period or longer from the date of the diagnosis to determine if Paralysis is permanent. Quadriplegia means the complete and irreversible Paralysis of bother upper and lower limbs. Paraplegia means the complete and irreversible Paralysis of both lower limbs. Hemiplegia means the complete and irreversible Paralysis of the upper and lower limbs of the same side of the body. Limb means entire arm or entire leg. PARALYSIS BENEFIT If Paralysis is incurred and diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this policy, we will pay the Critical Illness Benefit. This benefit is payable only once per lifetime per Insured Person. If an Insured Person is diagnosed with more than one type of Paralysis, only the largest benefit amount for the separate types of Paralysis will be paid. We will NOT pay any benefit for a Paralysis that results from psychiatric related causes. DIAGNOSTIC REQUIREMENTS FOR PARALYSIS The diagnosis of Paralysis must be based on documented evidence of the illness or injury that caused the Paralysis. LOSS OF SIGHT, HEARING OR SPEECH LOSS OF SIGHT, HEARING OR SPEECH BENEFIT means if a Loss of Sight, Hearing or Speech is incurred and diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this policy, we will pay the Critical Illness Benefit. We will NOT pay any benefit for a Loss of Sight, Hearing or Speech that results from psychiatric related causes. DIANOSTIC REQUIREMENTS FOR LOSS OF SIGHT, HEARING OR SPEECH The diagnosis of Loss of Sight, Hearing or Speech must be made by a licensed professional or specialist in the applicable field of medicine. The diagnosis of Loss of Sight must indicate that corrective visual acuity is greater than 20/200 in both eyes or the field of vision is less than 200 degrees in both eyes. The diagnosis of Loss of Hearing must be established by an audiometric and auditory threshold test. The auditory threshold cannot be more than 90 decibels while utilizing a hearing aid. The diagnosis of Loss of Speech must include documented evidence of the illness for the continuous 12-month period prior to the diagnosis. DIAGNOSTIC REQUIREMENTS FOR ALL CRITICAL ILLNESSES We reserve the right to request that a Physician of our choice review any Critical Illness Diagnosis in the event of a dispute or disagreement regarding the appropriateness or correctness of such Critical Illness Diagnosis. We reserve the right to require that an Insured Person submit to an examination to confirm a disputed Critical Illness Diagnosis. We also reserve the right to request that an independent and acknowledged expert in the applicable field of medicine review the evidence used in making any disputed Critical Illness Diagnosis. We will pay for any such requested examination or review. 11

13 Critical Illness Plan Diagnosis Definitions MAJOR ORGAN TRANSPLANT MAJOR ORGAN TRANSPLANT means having under-gone surgery as a recipient of a transplant as follows: (a) human bone marrow using haematopoietic stem cells preceded by total bone marrow ablation; or (b) whole human organs limited to: heart, lung, liver, or pancreas because of the irreversible end stage failure of such organ. For the purpose of this definition, Major Organ Transplant does NOT mean: (a) other stem cell transplant; or (b) transplantation of only part of an organ. MAJOR ORGAN TRANSPLANT BENEFIT If the need for a Major Organ Transplant is first diagnosed and the Insured Person undergoes a Major Organ Transplant more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, We will pay the Critical Illness Benefit. SEVERE BURN SEVERE BURN means the cosmetic disfigurement of body surface or area that is a full-thickness or third-degree burn covering at least 20% of the body surface. A full-thickness or third-degree burn is the injury and destruction of skin through the entire thickness or depth of the dermis and possibly to underlying tissue with a loss of fluid and sometimes shock caused by exposure to fire, heat, caustics, electricity, or radiation. SEVERE BURN BENEFIT If a Severe Burn is incurred and diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, we will pay the Critical Illness Benefit. IN SITU CANCER IN SITU CANCER means non-invasive cancer that is confined to the site of origin and does not invade below the most superficial level or is described as: In Situ in a pathology report. IN SITU CANCER BENEFIT If In Situ Cancer is diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, we will pay the applicable Critical Illness Benefit. This benefit is payable only once per lifetime per Insured Person. DIAGNOSTIC REQUIREMENTS FOR IN SITU CANCER In Situ Cancer must be diagnosed by a Physician certified to practice pathological anatomy or osteopathic pathology and must be based on a microscopic examination of fixed tissues or preparations from the hemic system. Such diagnosis shall be based solely on the accepted criteria of malignancy, after a study of the histiocytic architecture or pattern of the suspected tumor, tissue, and/or specimen. A clinical diagnosis alone does not meet the requirements of this provision. 10

14 Premium Refund at Death If an Insured dies before the end of a period for which a premium has been paid, USH&C will refund any premium paid that applies to coverage for the deceased for the time period beyond the end of the Policy month in which death occurred. Frequently Asked Questions Q: A: Q: A: Q: A: If I suffer a heart attack or other critical illness and die, will my spouse receive the benefits from the Critical Illness policy? As long as the heart attack or other critical illness meets the definition under the policy, benefits from the plan will be paid to the named beneficiary on the application. If I suffer a heart attack or other critical illness and receive the maximum benefit, does my policy terminate? If you are the only insured person on the policy, your policy will terminate after you have received your maximum benefit. However, in a family plan, the policy will continue for the remaining insureds, and we will adjust the premium to account for the policy change. What can I use my benefit money for? It is very likely that you will need to use your benefit to pay for the direct and indirect costs of a critical illness. However, there are no restrictions on how you can use your lump sum benefit. 07

15 Critical Illness Plan Diagnosis Definitions Healthy Savings offers a range of INVASIVE CANCER deductible options, helping you keep INVASIVE CANCER means the presence of a malignant tumor characterized by the uncontrolled growth and spread of your malignant monthly cells and premium the invasion payment of tissue. in For the purpose of this definition, Invasive Cancer does NOT mean: check. (a) Leukoplakia; By opening an HSA (Health Savings (b) Hyperplasia; Account), you can put away (c) Carcinoid; money (d) Polycythemia; tax-free to save up for future medical (e) Stage 1 expenses. Hodgkin's disease; (f) Stage A prostate cancer; (g) Duke's stage A colon cancer; (h) Intraductal non-invasive breast cancer; (i) Stage 0 or 1 transitional cell carcinoma of urinary bladder; (j) Carcinoma In Situ; (k) Any skin cancer other than malignant melanoma with a depth of 1 mm or deeper or greater than Clark level 2; (l) T1N0M0 (TNM Classification System) papillary carcinoma of the thyroid less than 1 cm in diameter; (m) Chronic Lymphocytic Leukemia RAI stage 0; or (n) Any other pre-malignant lesions, benign tumors, or polyps; INVASIVE CANCER BENEFIT If Invasive Cancer is diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, we will pay the applicable Critical Illness Benefit. This benefit is payable only once per lifetime per Insured Person. DIAGNOSTIC REQUIREMENTS FOR INVASIVE CANCER Invasive Cancer must be diagnosed by a Physician certified to practice pathological anatomy or osteopathic pathology and must be based on a microscopic examination of fixed tissues or preparations from the hemic system. Such diagnosis shall be based solely on the accepted criteria of malignancy, after a study of the histocytologic architecture or pattern of the suspected tumor, tissue, and/or specimen. Clinical diagnosis of Invasive Cancer will be accepted as evidence that Invasive Cancer exists when a pathological diagnosis cannot be made, provided the medical evidence substantially documents the clinical diagnosis of Invasive Cancer and the Insured Person receives treatment for Invasive Cancer. HEART ATTACK HEART ATTACK means the death of a portion of the heart muscle because of inadequate cardiac blood supply to the relevant area. HEART ATTACK BENEFIT If a Heart Attack is incurred and diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, we will pay the applicable Critical Illness Benefit. 08

16 DIAGNOSTIC REQUIREMENTS FOR HEART ATTACK The diagnosis of Heart Attack must be based on an event or incident that contains at least two of the following criteria: (a) new electrocardiographic (EKG) changes that support the diagnosis; (b) diagnostic elevation of cardiac enzymes or biomedical markers; or (c) confirmatory imaging studies such as cardiac catheterization, thallium scans, MUGA scans, or stress echocardiograms. KIDNEY (RENAL) FAILURE KIDNEY (RENAL) FAILURE means the end stage failure which: (a) presents a chronic irreversible failure of both kidneys as described below; and (b) requires treatment by renal dialysis or kidney transplant. KIDNEY (RENAL) FAILURE BENEFIT If Kidney (Renal) Failure is diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, We will pay the Critical Illness Benefit. This Critical Illness must not have manifested within the first 30 days following the date coverage on the Insured Person becomes effective under this Policy. DIAGNOSTIC REQUIREMENTS FOR KIDNEY (RENAL) FAILURE The diagnosis of Kidney (Renal) Failure must be based on the chronic irreversible failure of the function of both kidneys, requiring regular dialysis or kidney transplant. STROKE STROKE means: (a) a cerebrovascular incident caused by infarction of brain tissue, cerebral hemorrhage, thrombosis, or embolization from an extra-cranial source lasting more than 24 hours; and (b) a resulting measurable neurological deficit persisting for at least 30 days after the occurrence of the stroke. For the purpose of this definition, Stroke does NOT mean: (a) Transient Ischemic Attacks (TIAs): (b) Vertebro-Basilar Insufficiency; or (c) Incidental findings on imaging studies. STROKE BENEFIT If a Stroke is incurred and diagnosed more than 30 days after the date coverage on the Insured Person becomes effective under this Policy, we will pay the Critical Illness Benefit. DIAGNOSTIC REQUIREMENTS FOR STROKE The Diagnosis of Stroke must be made by a neurologist based on documented neurological deficits and confirmatory neuroimaging studies. 09