No one likes to think about getting heart disease. But 61,800,000 Americans have one or more types of cardiovascular disease according to current estimates. While you may not be able to prevent the disease, you can help protect yourself from its costs.

The American Heart Association estimates the total direct and indirect costs of Cardiovascular Diseases and Stroke in 2002 in the United States to be $329.2 billion. You can protect yourself and your family from these costs. HeartCare Direct insurance covers a portion of the costs for ambulance, surgery and physicians.

HeartCare Direct insurance helps you:

~ Manage the high expenses of treatment

~ Preserve your savings

What You Get:

• Pays you benefits that can be used for non-medical expenses that health insurance might not cover
• Benefits are paid as you go and cover the costs of specific treatments and expenses (up to the maximum allowed) as they happen
• Supplemental coverage, it works in addition to other insurance you may have, such as medical and disability income
• Guaranteed renewable for life, subject to change in premiums by class
• Coverage for yourself or your entire family

Hospital Confinement

Benefit per day for each day a covered person is admitted and confined as an inpatient in a hospital due to a Heart Attack, Heart Disease or Stroke.

 Physician’s Attendance

Benefit per day for the services of a physician during a covered hospital confinement. Payable only for the number of days the hospital confinement benefit is payable.

 Inpatient Drugs and Medicine

Benefit per day for drugs or medicine required during a covered hospital confinement. Payable only for the number of days the hospital confinement benefit is payable.

 Private Duty Nursing

Benefit per day for private nursing care and attendance by a nurse during a covered hospital confinement, subject to a maximum of 60 days per continuous hospital confinement. Must be required and authorized by attending physician.

 Physiotherapy

Benefit per day for physiotherapy performed by a licensed physical therapist during a covered hospital confinement, subject to a maximum of 60 days per continuous hospital confinement.

 

Oxygen

 

Benefit for the use of oxygen equipment during a covered hospital confinement, subject to a maximum of 1 payment per continuous hospital confinement.

 

Cardiograms

 

Benefit for an electrocardiogram, echocardiogram, phonocardiogram or vector cardiogram required during a covered hospital confinement, subject to a maximum of 1 payment per continuous hospital confinement.

 

Cerebral or Carotid Angiogram

Benefit for a cerebral or carotid angiogram required during a covered hospital confinement, subject to a maximum of 1 payment per continuous hospital confinement.

Coronary Angioplasty

Benefit for a coronary angioplasty procedure, regardless of the number of blood vessels repaired during the procedure.

Pacemaker Insertion

Benefit for the initial insertion of a permanent pacemaker.

Thromboendarterectomy

Benefit for a thromboendarterectomy operation.

Coronary Artery Bypass Graft Operation

Benefit for a coronary artery bypass graft operation, regardless of the number of grafts performed during the operation.

Heart Transplant

Implantation of a natural human heart. This benefit is only payable once per covered person.

Benefit for a second opinion obtained after a positive diagnosis that results in the physician recommending surgery for a covered illness.

Ambulance

Transfer by ambulance to a hospital or emergency room for the treatment of a covered condition. Non-Air Ambulance

Air Ambulance

Cardiac Catheterization

Cardiac catheterization procedure.

Blood, Plasma and Platelets

Amount shown for the administration of blood, plasma or platelets during a covered hospital confinement, subject to a maximum of 1 payment per continuous hospital confinement.

Non-Local Transportation

covered hospital confinement which is obtained more than 100 miles from the covered person’s home because the prescribed treatment cannot be obtained locally. This is subject to a maximum of 1 payment per continuous hospital confinement

Surgery and Anesthesia

1. Surgery. surgery performed in a hospital or ambulatory surgical center.

2. Anesthesia. Additional percentage of the surgery benefit described in “1”above for anesthesia received during the surgery.

3. Ambulatory Surgical Center. Surgery benefit described in “1”above is paid for a surgery performed at an ambulatory surgical center. These benefits do not pay for surgeries covered by other benefits in the policy.

Renewability

The policy will remain in effect when renewal premiums are paid as they are due or during the grace period. Renewal premiums will be at the premium rates in effect on the renewal date. We can change the premium rates on premiums becoming due after the first premium. However, we can only change the rate on this policy by making the rate change for all such policies in a class. Once the policy has been issued, we cannot place any restrictive riders on it or cancel or refuse to renew your policy if you maintain it continuously in force. If we do change rates on all like policies in your class, we will mail you a notice of this change. Notice will be mailed at least 31 days prior to such change. It will be mailed to your address as shown on our records. No change in premiums is effective unless this notice is mailed.

Termination of Insurance

If the insured’s spouse is a covered person, the spouse’s coverage ends upon valid decree of divorce. If your child is a covered person, the child’s coverage ends on the policy anniversary next following the date the child is no longer eligible, which is either when the child marries or reaches age 21 (25 if a full time student at an educational institution of higher learning beyond high school). Coverage does not terminate on an unmarried child who: 1.is incapable of self-sustaining employment by reason of mental retardation or physical handicap;2.is chiefly dependent upon you for support and maintenance. Dependent coverage continues as long as this policy remains in force and the dependent child remains in such condition.

Exclusions and Limitations

The policy provides benefits only for Heart Attack, Heart Disease or Stroke. This policy does not cover any other disease or sickness or incapacity other than Heart Attack, Heart Disease or Stroke even though such disease, sickness or incapacity may be caused, complicated or otherwise affected by Heart Attack, Heart Disease or Stroke. If a covered confinement is due to more than one covered condition, benefits will be payable as though the confinement were due to one condition. If a confinement due to a covered disease is also due to a condition that is not covered, benefits will be payable only for the part of confinement attributable to the covered condition.

Pre-Existing Condition Limitation

A pre-existing condition is the existence of: symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a 1 year period preceding the effective date of coverage of the insured person or a condition for which medical advice or treatment was recommended by or received from a physician within a 1 year period preceding the effective date of the coverage of the insured person. ~ If a covered person has a pre-existing condition as defined, we do not pay benefits for such conditions under this policy or any riders attached to this policy during the 12 month period beginning on the date that person became a covered person. If the loss is not due to a pre-existing condition, then the pre-existing condition limitation does not apply. All losses are subject to the Incontestability provision. Exclusions and limitations to the policy also apply to the riders. This brochure highlights some features of the policy, but is not the insurance contract. Only the actual policy provisions control. The policy itself sets forth, in detail, the rights and obligations of both the insured and the insurance company.

• Yes, heart/stroke insurance will pay you direct cash benefits irregardless of any other type of insurance you might have!

Plans and benefits may vary by state of residence and age.  Plan not available in all states.

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