Full list of limitations and exclusions here.
1 Source: https://www.heart.org/-/media/data-import/downloadables/heart-diseaseand-stroke-statistics-2018---at-a-glance-ucm_498848.pdf.
2 Source: https://www.cancer.org/cancer/cancer-basics/lifetime-probability-of developing-or-dying-from-cancer.html.
3 Source: https://www.nasdaq.com/article/medical-bankruptcy-is-killing-the-americanmiddle-class-cm1099561.
*Group critical illness insurance policies are underwritten by Equitable Financial Life Insurance Company of America, under Policy Form Series MOEBP19 CI.
“Critical Illness insurance” is a limited benefit policy. It does NOT provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. This overview is preliminary to the issuance of the policy and certificate. The policy, certificate and rider, if applicable, may not be available in all states and may vary based on state laws and regulations. Note to employees covered or considering coverage under Health Savings Accounts (HSAs) established in connection with a High Deductible Health Plan (HDHP): Based on the limited available regulatory guidance, we believe our “Critical Illness insurance” is appropriate for use with an HSA and may be purchased when the employee and/or his or her family members are covered under an HDHP. However, we cannot provide legal or tax advice. If there are legal or tax questions, we suggest that you consult your own legal or tax advisor before purchasing this insurance.
Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). Group insurance products in the state of Arizona are issued by Equitable America, which has sole responsibility for its respective insurance and backed solely by its claims-paying obligations. Equitable America is independent of BCBSAZ. It does not provide, offer or sell BCBSAZ products or services and is solely responsible for the products or services it provides.
GE-3081576 (8/20) (Exp. 8/22)