The financial burden from cancer or a heart attack doesn’t have to be devastating. Through RamState Insurance a Critical Illness Insurance Plan protects employees’ budgets against these expenses, from deductibles and co-pays to personal expenses such as transportation and childcare.
Full benefits
Critical illness insurance delivers cash benefits when an insured is diagnosed with a critical illness, even if the insured has other insurance. And employers can expand their benefits package without busting their budget.

•               Lump sum cash benefit payments on diagnosis, not treatment
•               Benefits may be provided for multiple and recurring illnesses
•               Offered on an employee-paid basis
•               Guaranteed renewable; as long as premiums are paid in full, coverage is guaranteed
•               Fully portable coverage employees can keep even if they leave their organization

Flexible options

•               Flexible benefit amounts, riders, waiting periods, pre-existing conditions and Guarantee Issue amounts
•               A choice of five categories of coverage, including heart, organ, cancer, quality of life and child
•               Employee, spouse, children and family coverage available

Added value
We can offer a full package of services to help employees stay well and provide them guidance through their treatment process if diagnosed with a critical illness.

•               A child care expense benefit, available when an insured is hospitalized due to a covered critical illness
•               An annual cash benefit to be used toward one of 24 covered health assessment tests, such as chest x-rays or mammograms
•               Personal health advocates, which provide healthcare guidance at any time, not just during a critical illness; employees get help with appointments, second opinions, rehabilitation services and insurance coordination
•               Many travel assistance services for out-of-town care (100 or more miles from home); available at any time, not just during a critical illness
•                 Support services, which include referrals to community resources and support groups, as well as phone counseling for a variety of issues