Florida Individual Health Insurance
Cancer Plan

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Most people now realize that their health insurance, no matter how comprehensive, will not pay all the costs of a major illness. Even if all the medical costs are covered, which is unlikely, there will be associated costs. These could include additional expenses for hotel for family, special foods, appliances, household help and these are in addition to the copays, deductibles and coinsurance.

I have not been in favor of the cancer plans that were available in the past. These plans generally would pay some dollar amount for each day a person was in the hospital. These plans did not seem worth the money. Excellent Cancer plans are now available.

Here are some disturbing statistics from the American Cancer Society.

• Anyone can get cancer; however incidence rises with age
• 1 of every 3 Americans will have cancer
• Among children ages 0-14, cancer causes more deaths in the United States than any other disease
• An estimated 1,382,400 new cases will be diagnosed this year alone

I am now recommending a First Diagnosis Cancer Plan. The plan is simple, immediate and in the unfortunate situation of being diagnosed with internal cancer or malignant melanoma extremely valuable. You select the benefit you want up to $50,000. The benefit as listed in the policy schedule is paid in cash on first diagnosis of internal cancer or malignant melanoma.

The Payoff: Immediate and Total ...... up to $50,000

• The money comes directly to you in cash - one time and all of it - immediately upon written satisfactory proof of pathological diagnosis
• You receive your total cash benefit whether or not you are hospitalized, whether or not you receive treatment
• You know exactly how much money you can count on getting to help with the costs -no surprises or reduction.
• You decide what to do with the money - the finest medical care (specialized or abroad), experimental procedures, cosmetic or reconstructive surgery, transportation and lodging for relatives, home care, paid-up mortgage, income while you're not working, deductibles and coinsurance for other coverage-you decide.
• This policy pays in addition to any other existing coverage

The Coverage: Simple and Certain

• Issue ages 0-69
• Designed for individual, single parent and family coverage
• Pays a one-time lump sum, cash benefit as listed in the policy schedule

• Benefit Schedule
  Individual Plan: 100%
  Single Parent Plan: Primary Insured 100%, Child(ren) 50%
  Family Plan: Primary Insured 100%, Spouse 50%, Child(ren) 50%

• Primary Insured's choice of cash benefit amount $10,000, $20,000, $30,000, $40,000, $50,000- see Benefit Schedule above

• Benefit payment upon written pathological proof as specified in the policy of internal cancer or malignant melanoma (excludes all other skin cancer) while policy in force.

• Only potential covered individual's health considered for eligibility - heredity not an issue.

• Only 30 day waiting period before eligible for benefit payment.

• Diagnosis as detailed in the policy accepted from anywhere in the United States.

• Primary Insured automatic beneficiary of any person listed in the policy schedule.

• Plan conversion at any time from an "individual" to "family" policy by notifying the company within 30 days of a change - newborn or newly adopted children.

• On covered dependent's 25th birthday, written application automatically accepted for like coverage without interruption or qualification

• No reduction in benefits at age 65

• Issue age premiums - no increase due to aging - increases only on a class basis by state.

• Premiums based on Primary Insured's selected benefit amount and coverage plan

• No policy fee

• Guaranteed renewable coverage until person's one-time cash benefits received

Limitations and Exclusions

This policy pays a benefit only for First Diagnosis of internal cancer or malignant melanoma (this excludes all other forms of skin cancer). Pathologic proof thereof must be submitted. This policy does not provide benefits for any other disease or sickness or incapacity.

This policy contains a 30-day "waiting period." That means that the Benefit is not payable to anyone who has Cancer diagnosed before the policy has been in force 30 days from the "Effective Date" shown in the Policy Schedule. If a Covered Person has Cancer first diagnosed during the "waiting period," the person may void the policy from the beginning and receive a full refund of premium.

The policy will not pay benefits if the diagnosis of cancer is made by You or a member of Your immediate family or household.

Rates

Monthly Premium Rates per $10,000 Benefit Amount up to $50,000 Maximum

To Apply

Download Application. The application has 3 qualifying questions. The application and a check made payable to United American Insurance is to be returned to the address below. Please be sure the application is fully completed and signed. Incomplete or unsigned applications will have to be returned to you for completion.

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Pierre Granger AAI,CIRMS

Group & Individual plans available
Website Address  http://www.assurance-reseau.com
E-Mail: pierre@floridahealthinsurance.com    

PH:  (954) 328- 6750     Fax: (305) 556-3680

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