Critical Illness Insurance

Critical Illness Insurance

Voluntary Critical Illness Insurance

You can’t predict the future, but you can plan for it. BorgWarner offers Voluntary Critical Illness insurance through Allstate that provides financial support in the form of a cash lump sum if you are diagnosed with a qualifying critical illness, such as:

Heart Attack
Heart Attack

Stroke
Stroke

Cancer
Cancer

Organ Transplant
Organ Transplant

Coverage is also is available for your spouse and children. Child(ren) are covered at no additional cost, but will end when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent. By providing financial protection, this coverage allows you to focus on recuperating rather than coping with the stress of how to cover bills related to treatment or everyday living expenses.

Exclusions
We will not pay benefits for a critical illness that is, or caused by, contributed to, or results from: 1. War, declared or undeclared, participation in a riot, insurrection or rebellion. 2. Internationally self-inflicted injury or action. 3. Illegal activities or participation in an illegal occupation. 4. Suicide while sane, or self-destruction while insane, or any attempt at either. 5. Substance abuse, to include abuse of alcohol, alcoholism, drug addiction or dependence upon any controlled substance.
Pre-existing condition limitations

Benefits are not payable for any critical illness diagnosed prior to the effective date. Benefits are subject to the Pre-Existing Condition Limitation (if included), as well as other limitations and exclusions. All critical illness must meet the definitions and dates of diagnoses stated in the policy and be diagnosed by a physician while coverage is in effect. Cancer critical illness benefits are payable for a diagnosis of a new or a recurrence of cancer, as long as the insured is diagnosed after the effective date of coverage, and has been free of any symptoms and treatment of cancer for 12 consecutive months immediately preceding the effective date of coverage, or any 12 consecutive months thereafter. The date of the diagnosis for each illness must be separated by 90 days. Emergency situations while outside the U.S. will be considered the insured returns to the U.S.

How Critical Illness Insurance Works

How Critical Illness Insurance Works

Voluntary Critical Illness Insurance Benefit Amounts

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Voluntary Critical Illness Insurance Benefit Amounts

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