Family Critical Illness Plan

When a serious diagnosis strikes, the support of your loved ones is invaluable. Add to that support the Family Critical Illness Plan which provides up to $300,000 in critical illness coverage. ‌‌

This flexible plan allows you to select the coverage that is right for you and your family with no medical required for sign up.
‍

‌List Of Critical Illness ►
• Cancer‌‌
• Heart Attack‌‌
• Stroke, Paralysis‌‌
• Major Burns ‌‌
• Coma
Your Benefits ►
• Critical illness coverage for you and up to FIVE of your eligible family members,‌

• Up to $300,000 worth of coverage should you or any one of your covered family members is covered with one of the six critical illnesses.‌

• Enroll any time before the age of 60 (children must be enrolled prior to the age of 26).‌

• You and each of your covered family members are entitled to one lump sum payment for the life of the plan‌

• Get a 50% refund on premiums if there has been no claim made on reaching 75
Coverage Under Family Critical Illness Plan Will Discontinue ►
‌‌• If you or any one of your covered family members chooses to terminate coverage‌

• If you do not pay your premium before the end of the grace period provided‌

• When you or any of your covered family members reaches the age of 75‌

• After you or any of your covered family members has received payment from a claim‌

• When a dependent child who is not permanently disabled and is covered under your plan reaches the age of 26 or marries, whichever comes first.
Exclusions ►
‌You will not receive benefits if diagnosis of one of the covered critical illnesses is caused by:‌

• Willful self-inflicted injury or illness‌

• Drug and/or alcohol abuse‌.
‍
• Pre-existing conditions‌

• Committing or attempting to commit a crime or involvement in criminal activity‌.

• Willful ingestion or inhalation of poisonous substances‌.
‍
• Bodily injury through external and violent means‌.
‍
• Injury, illness, or death resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination.
Your Family Critical Illness Plan Premium ►
‌• Your Family Critical Illness Plan premium is calculated based on an age banded premium rate guide that is available at your credit union or Family Critical Illness Plan provider.‌

• Premiums for each person covered under the Family Critical Illness Plan will be determined by their age on the date of their application for coverage.‌

• The premium amount payable for each coverage amount applied for remains the same for that coverage amount throughout the lifetime of the Plan for each insured person.
Filing A Claim ►
‌‌You must complete a Claim Form as proof of diagnosis to receive the critical illness benefit. ‌‌

The claim form must be accompanied by a detailed medical report signed by the attending specialist of the Insured Person. We may ask for additional proof or information to determine benefits.
How To Apply For A plan? ►
‌You must be a member of the Credit Union to enrol onto the Plan.‌‌

▼ THE PROCESS‌‌‌ ▼

➊ It is advisable to use a desktop or laptop computer to finish this process.‌‌

➋ Click on the Application Form button below, and download the enrolment form.‌‌

➌ Fill out the Enrolment Form using Adobe Acrobat Reader.‌

❹ Print the form and bring it to the Credit Union along with:‌
‍
✓ Two Forms of valid picture Identification.‌
‍
✓ Recent Utility Bill not more than 3 months old i.e., T&TEC / TSTT / WASA / Cable (if utility bill is not in applicant’s name, a letter of authorization must be provided by owner with a copy of owner’s ID).‌

➎ Pay the first month’s premium.
APPLICATION FORM

Call Our office

1 868 628 52881 868 628 09261 868 622 3379

Follow Us On

Trusted partners.

The Paak logo2020INC logoOE logoThe Paak logoThe Paak logoThe Paak logo
© Western United Credit Union. All rights reserved. Designed by Vision Abode 😉
Terms & ConditionsPrivacy Policy
Welcome, how may I assist?
WESCU Assistant