Group Critical Illness Insurance Critical Illness insurance is here for you. Surviving a critical illness, such as a heart attack or stroke, is becoming increasingly common with new medical technology. However, with advances in technology to treat these diseases, the cost of treatment rises more and more every year. Although many medical plans provide coverage for hospital stays and medical expenses arising from a critical illness, there are still out-of-pocket expenses that can affect anyone’s finances. Co-pays, transportation expenses, and lost income should be the last thing you or your family worries about if a critical illness were to occur. American Fidelity Assurance Company’s Limited Benefit Group Critical Illness Insurance can help cover your out-of-pocket medical expenses and allow your family to focus on recovery. About every 40 seconds, an American will suffer a heart attack.2 American Fidelity’s Group Critical Illness Insurance can help with the rising cost of treatment for a covered Critical Illness such as heart attack or stroke. 17% of total healthcare costs are paid out-of-pocket.1 How It Works If you are diagnosed with a covered Critical Illness, WELLNESS SCREENING BENEFIT such as a heart attack or stroke, this plan is designed This benefit covers several qualified tests, to pay a lump sum benefit amount to help cover including, but not limited to, expenses. In addition, certain specified Critical Illnesses that reoccur will allow for an additional benefit. • Electrocardiogram (EKG) • Stress Test American Fidelity’s Critical Illness Insurance features: • Blood Glucose Testing • Echocardiogram • Benefits paid directly to you, to be used however you see fit. HEALTH SCREENING BENEFIT • No required medical exams as part (per calendar year per of the application process. Covered Employee and Covered Spouse) • Guaranteed Issue benefit amounts may be available $50 for first time eligible employees and spouse. • Extends coverage to dependent children at no additional cost. If you reside in a state other than your employer’s • Compatible with a Health Savings Account. state of domicile, where required by law, policy provisions and benefits may vary. Coverage is available for you and your lawful spouse at determined benefit amounts and for your eligible child(ren), as defined in the policy, at 25% of the employees benefit amount. 1 2017 Milliman Medical Index; May 2017, p.9. 2 American Heart Association: Heart Disease and Stroke Statistics 2017 At-a-Glance, p.2 September 2017.