Health insurance and critical illness insurance have different purposes. Health insurance policies have different coverages for the treatment of serious illnesses. Critical illness insurance will provide you with a lump sum payment when diagnosed with a specified critical illness such as stroke, heart attack, and cancer. You can use the money for anything you want, it is not restricted to the medical treatment of your illness. You can use it to take care of yourself and family if you have to stop working and lose your income, to cover out of pocket medical expenses or for take-out food .

See plan details for all covered conditions.

Yes, this policy provides worldwide coverage and all Plan benefits and exclusions apply.

There are NO waiting periods or pre-existing exclusions under this policy. If you are diagnosed with a covered condition within the effective date of your policy, and your policy is active and in good standing, you are eligible to file a claim.

Yes, the coverage will be reduced upon the policyholder’s attainment of the following ages:

• Age 65-coverage will be reduced to 65% of original benefit amount
• Age 70- coverage will be reduced to 50% of original benefit amount
• Age 75- coverage will be reduced to 25% of original benefit amount

A claim can be filed in 3 simple steps:

• When you are diagnosed with an eligible condition contact the AIP Dept. to obtain a claim form at 202-833-4910 or by email at aip@afspa.org.
• Complete and sign a claim form and return to AFSPA who will send to Prudential for review and payment
• Provide medically certified proof of diagnosis from an attending medical professional

Yes, the Plan lifetime maximum benefit is 200% and enables coverage for the reoccurrence of a previously diagnosed covered illness. Reoccurrence means a positive diagnosis of a Critical Illness for which a benefit was previously paid, and date of diagnosis of reoccurrence is more than 180 days after prior claim payment. For example, if you have $100,000 of coverage and depending on the condition:

• 100% or $100,000 of the principal sum will be paid for a claim filed for the 1st occurrence
• 50% or $50,000 of the principal sum will be paid for a claim filed for the 2nd occurrence
• 50% or $50,000 of the principal sum will be paid for a claim filed for the 3rd occurrence
• 200% of the principal sum has been paid and the Plan benefits have been exhausted
  • No more than the Lifetime Maximum Benefit will be paid for all of a covered person’s critical illnesses

Yes, the Plan lifetime maximum benefit is 200%. If you file a claim for a covered medically diagnosed condition it will be paid according to the type of condition. If later you become diagnosed with a different covered medically diagnosed condition that is unrelated to the one for which the first claim was paid, you are eligible to file a new claim. For example, if you have $100,000 of coverage and depending on the condition:

• 100% or $100,000 of the principal sum will be paid for a claim filed for the 1st diagnosis
• 100% or $100,000 of the principal sum will be paid for a claim filed for the 2nd diagnosis
• 200% of the principal sum has been paid and the Plan benefits have been exhausted
  • No more than the Lifetime Maximum Benefit will be paid for all of a covered person’s critical illnesses