Benefits

Fighting cancer can be expensive. And we understand that if one day you were diagnosed with cancer, you'd want the best care money can buy. With the Kiwanis Cancer Care Insurance Plan, you will receive benefits to help you cover the costs of treatment and recovery from cancer.

These benefits are paid regardless of your current medical insurance, and you are guaranteed acceptance as a Kiwanis member in good standing who has not had cancer (except skin cancer) in the last 5 years (3 years in LA, 2 years in VT, 12 months in TX, 6 months in ID, NV and UT). When you're fighting for your life, the Kiwanis Cancer Care Insurance Plan will be there in your corner.

If the test comes back "positive for cancer" after you've been enrolled for 30 days, we'll pay the following benefits:

Hospital Room & Board: $60.00 per day for the first 10 days of each period of a covered hospital confinement. $120.00 per day thereafter, up to 90 days.

Extended Hospital Expenses: Then, after you’ve been in the hospital for 90 days, the plan pays $240 a day up to day 730.

Outpatient Drugs & Medicine: Kiwanis are paid $10.00 for any prescription refill, up to a $100.00 annual max and $1,000.00 lifetime max.

Attending Physician: $25.00 per day for doctors' visits (other than your surgeon) while hospitalized regardless of the number of physicians, up to the maximum of $1,000.00 per illness period.

Nursing Service: $25.00 per day for private care by a Registered Graduate Nurse or Licensed Practical Nurse while hospitalized. Maximum of $2,250.00 in benefits per illness period.

Ambulance: $100.00 benefit; with an illness period maximum of $1,000.

Radiation & Chemotherapy: $100.00 daily benefit (including x-ray, radium, and cobalt therapies) with a lifetime maximum of $2,000.

Blood & Plasma: Kiwanis are paid $100.00 daily benefit; with a maximum of $500.00 for every illness period with a $1,000 lifetime maximum.

Terms

Please Read Regarding Your Cancer Coverage

EXCLUSIONS:

Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from or contributed by: Injury or Sickness other than Cancer; treatment or services performed outside of the United States.

PRE-EXISTING CONDITION LIMITATION:

No benefits will be payable for the Covered Person's Pre-Existing Conditions. A Pre-Existing Condition is defined as any condition (except Skin Cancer) that was Positively Diagnosed or for which medical treatment, consultation, advice, care or services was sought within 5 Years (3 years in LA & MT; 2 years in IL & VT; 12 months in MD, MS, ND, SC,TX & UT; 6 months in ID, ME, NV, SD, UT and WY) prior to the Covered Person's Effective Date of Coverage.
For residents of ID and ME: A Confinement resulting from a Pre-Existing Condition will not be covered for the first 12 consecutive months (ID) or 6 months (ME) following a Covered Person's Effective Date of Coverage.
For residents of MD, ND, SC and UT: A Confinement resulting from a Pre-Existing Condition will not be covered until the earlier of:
(1) 12 consecutive months have elapsed during which no medical treatment or advice is given by a Physician for such condition; or
(2) the Covered Person has been insured under the Policy for 12 consecutive months (MD, SC) or 24 consecutive months (ND, UT), whichever occurs first.

The Company has a right to rescind or void a Covered Person's insurance coverage if the Company finds that the Covered Person had a Pre-existing Condition. Any premiums paid for that Covered Person will be refunded.

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number 9200/9201/9202, under policy series 17-50995. Residents of AK, CO, MT and NV will be issued individual policy form series 17-51062. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. As determined by state insurance regulations, this plan or some benefits of this plan may not be available in all states. Availability of this offer may change.

Benefit Waiting Period:

Benefits are not payable for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. However, benefits for treatment or services related to such Cancer are payable after coverage has been in force for 12 consecutive months from the Effective Date.
THIS IS A CANCER ONLY POLICY

Endorsed by:	Kiwanis International
Offered by:	A.G.I.A., Inc.
Underwritten by:	Securian Life Insurance Company St. Paul, MN 55101
Administered by:	A.G.I.A., Inc. P.O. Box 26840, Phoenix, AZ 85068 Questions? Call toll-free 1-844-603-0567

IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS POLICY OR CERTIFICATE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance Policy

This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare Supplement insurance policy.

This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific condition or diagnoses named in the policy.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

• Hospitalization
• Physician services
• Hospice
• Outpatient prescription drugs if you are enrolled in Medicare Part D
• Other approved items and services

Before You Buy This Insurance

• Check the coverage in all health insurance policies you already have.
• For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
• For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).