Download First Diagnosis Cancer

First Diagnosis Cancer
- Benefits to help you stay well
- Benefits to help you over the roughest of times
T
he Cancer “First Diagnosis” product
is a second-generation cancer
product that is simplistic in design and
administration, and can provide a
significant financial supplement at a time
of great physical and emotional distress.
The plan pays a “one-time benefit” versus
the approach many other plans take —
paying a benefit for each specific
treatment. We believe the very
uncomplicated nature of this
benefit can offer a little
peace-of-mind at a
time when it is
very important.
First Diagnosis Cancer
Eligibility
Important Definitions
All members of a sponsoring organization,
their lawful spouses and dependent children
are eligible for the Plan. Medical underwriting
can be a simple, streamlined application with
two “yes”/”no” questions about prior cancer
history. To qualify for coverage, “no” answers
are required for both questions. An attestation
statement can be used in lieu of the two
specific questions.
Cancer is defined as a disease manifested by the
presence of a malignancy characterized by the
uncontrolled and abnormal growth and spread
of malignant cells, the invasion of tissue,
leukemia, or Hodgkin’s disease. Cancer is
further defined to include cancer in situ, that
is the natural or normal place; confined to
the site of origin without having invaded
neighboring tissues. Such cancer must be
positively diagnosed by a Physician.
Pre-malignant conditions or conditions
with malignant potential are not considered
cancer, nor are skin cancers other than
malignant melanoma.
Plan Options
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Non-contributory membership benefit
option with benefit amounts starting at
$1,000 up to $10,000.
Voluntary Plan benefit amounts from
$10,000 to $25,000
Waiting period options of 60, 90 or
120 days.
Positive Diagnosis/Positively Diagnosed means a
microscopic examination of fixed tissue or
preparations from the hemic system either
during the life or post-mortem. The
pathologist establishing the diagnosis shall
base his or her judgment solely on the criteria
of a malignancy as accepted by the American
Board of Pathology or the Osteopathic Board of
Pathology after a study of the histocytologic
architecture or pattern of the suspect tumor,
tissue or specimen. Clinical diagnosis of
cancer will be accepted as evidence that
cancer exists when a pathological
diagnosis cannot be made, provided
such material evidence substantially
documents the diagnosis
of cancer.
First Diagnosis Cancer
Coverage Options
Smoking Cessation Benefit
In addition to the “First Diagnosis” benefit,
this plan can be constructed to include one or
more of the following:
A flat benefit from $25 up to $125 if an insured
incurs out of pocket expenses for participation in
a formal smoking cessation program.
Cancer Screening Benefit
Wellness Benefit
A flat benefit from $25 up to $125 if an insured
incurs out of pocket expenses for screening or
testing used to detect the presence of cancer.
A flat benefit from $25 up to $125 if an insured
incurs out of pocket expenses for membership in a
health spa, fitness center or an employer-sponsored
wellness program.
Important Facts to Consider*
Cancer is a disease that no one wants to think about, but the statistics are
hard to ignore . . .
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Over 1.3 million new cancer cases are expected to
be diagnosed in 2003.
It is estimated that in 2003 more than 180,000
cancer deaths are expected to be caused by
tobacco use.
Scientific evidence suggests that about one-third
of the 556,500 cancer deaths expected to occur
in 2003 will be related to nutrition, physical
inactivity, obesity and other lifestyle factors
and could also be prevented.
* Source: American Cancer Society: Cancer Facts & Figures 2003
NOTE:
This information is intended to be a brief overview of the benefits available under this Plan. It does not provide costs,
limitations, exclusions and terms under which the coverage may be kept in force. The Plan is subject to state filing and
approval, and may vary slightly, or not be available by jurisdiction in accordance with applicable laws and regulations.
CIGNA Group Insurance products and services are provided exclusively by underwriting subsidiaries of CIGNA Corporation,
including Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and Connecticut
General Life Insurance Company. “CIGNA” is used to refer to these subsidiaries and is a registered service mark. This
program may not be available in all states.