NEW! Critical Illness Insurance

Mom with cancer holding childWe all like to think we’re invincible, but unfortunately, that isn’t the case. If you or a loved one were suddenly faced with a critical illness, would you be prepared to handle the unforeseen associated expenses?

Even if you are enrolled in a Major Medical Plan, you may still want to consider adding American Foreign Service Protective Association’s (AFSPA) Critical Illness Insurance (CI), issued by The Prudential Insurance Company of America (Prudential). 

With our Critical Illness Insurance (CI), you can be more prepared to tackle some of the unforeseen financial challenges that life throws at you.

Why CI insurance might be right for you:

  • Monthly premium for member and family coverage may cost less than the average American spends each month on dining in restaurants.

  • Up to $10,000 in member coverage, up to $5,000 for spouse/domestic partner coverage, and up to $15,000 for child(ren) coverage can be guaranteed issue and does not require review of medical history.*

  • You may apply for member coverage up to $100,000, and up to $50,000 to cover your spouse/domestic partner by simply answering some health questions to determine insurability.* 

  • Spouses, domestic partners and children age19 and older are eligible to apply for their own policy without Principal Member election. 

*Members, Spouses and Domestic Partners must be under age 65 and be enrolled in a major medical plan to be eligible for coverage. 

*Dependent benefit amounts cannot be more than 50% of member coverage amount. Spouses, domestic partners and children age 19 and older are eligible to apply for their own policy.

  • Seven conditions are covered:

Heart Attack

Major Organ Failure

Stroke

Renal (Kidney) Failure

Invasive Cancer

Severe Coronary Artery Disease

Cancer in Situ (Partial)

 
  • To receive benefits, simply provide medically certified proof of diagnosis for a covered condition.
  • Benefit payments are paid in a lump sum and can be used for whatever you choose—without restriction. You can even use it for everyday expenses, like babysitters and take-out food.**

** Everyday expenses may include both medical and non-medical expenses.

This coverage is not available in the following states and U.S territories: AK, KS, LA, ME, MN, MT, NH, OR, UT, WV, GU, and PR

 

Click here to view brochure and rates

Click here to enroll now!

 


Questions?

Email us at [email protected] or call 202-833-4910.


This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Actand therefore does NOT satisfy the individual mandate that you have health insurance coverage.

Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The BookletCertificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may
vary by state. Contract Series: 114774.

©2021 Prudential Financial, Inc. and its related entities.

1048506-00001-00

 

Use the simple calculator below to determine your yearly premium for this plan.


 
 
Monthly Premium Amount:
Annual Premium Amount:

 

Overview

NEW! Critical Illness Insurance

Mom with cancer holding childWe all like to think we’re invincible, but unfortunately, that isn’t the case. If you or a loved one were suddenly faced with a critical illness, would you be prepared to handle the unforeseen associated expenses?

Even if you are enrolled in a Major Medical Plan, you may still want to consider adding American Foreign Service Protective Association’s (AFSPA) Critical Illness Insurance (CI), issued by The Prudential Insurance Company of America (Prudential). 

With our Critical Illness Insurance (CI), you can be more prepared to tackle some of the unforeseen financial challenges that life throws at you.

Why CI insurance might be right for you:

  • Monthly premium for member and family coverage may cost less than the average American spends each month on dining in restaurants.

  • Up to $10,000 in member coverage, up to $5,000 for spouse/domestic partner coverage, and up to $15,000 for child(ren) coverage can be guaranteed issue and does not require review of medical history.*

  • You may apply for member coverage up to $100,000, and up to $50,000 to cover your spouse/domestic partner by simply answering some health questions to determine insurability.* 

  • Spouses, domestic partners and children age19 and older are eligible to apply for their own policy without Principal Member election. 

*Members, Spouses and Domestic Partners must be under age 65 and be enrolled in a major medical plan to be eligible for coverage. 

*Dependent benefit amounts cannot be more than 50% of member coverage amount. Spouses, domestic partners and children age 19 and older are eligible to apply for their own policy.

  • Seven conditions are covered:

Heart Attack

Major Organ Failure

Stroke

Renal (Kidney) Failure

Invasive Cancer

Severe Coronary Artery Disease

Cancer in Situ (Partial)

 
  • To receive benefits, simply provide medically certified proof of diagnosis for a covered condition.
  • Benefit payments are paid in a lump sum and can be used for whatever you choose—without restriction. You can even use it for everyday expenses, like babysitters and take-out food.**

** Everyday expenses may include both medical and non-medical expenses.

This coverage is not available in the following states and U.S territories: AK, KS, LA, ME, MN, MT, NH, OR, UT, WV, GU, and PR

 

Click here to view brochure and rates

Click here to enroll now!

 


Questions?

Email us at [email protected] or call 202-833-4910.


This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Actand therefore does NOT satisfy the individual mandate that you have health insurance coverage.

Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The BookletCertificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may
vary by state. Contract Series: 114774.

©2021 Prudential Financial, Inc. and its related entities.

1048506-00001-00

 

Use the simple calculator below to determine your yearly premium for this plan.


 
 
Monthly Premium Amount:
Annual Premium Amount:

 

FAQs (7)

Do you need critical illness insurance coverage if you already have health insurance?

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.

Will this insurance cover me if I am diagnosed with a condition while overseas?

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

Are there any waiting periods or pre-existing exclusions before I can file a claim?

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.

Will my coverage be reduced at any time during the lifetime of this policy?

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
How do I file a claim?

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 [email protected].
  • 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
Is it possible to file multiple claims for the same condition?

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
Is it possible to file multiple claims if diagnosed with more than one covered critical illness?

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
 

FORMS & BROCHURES (4)

Form

Description

Action

AFSPA Critical Illness Brochure
AFSPA Critical Illness Brochure
AFSPA Critical Illness Application Form
AFSPA Critical Illness Application Form
Critical Illness Claim Form
Critical Illness Claim Form
Critical Illness Claim EFT form
Critical Illness Claim Electronic Funds Transfer (EFT) form