Voluntary Benefits
Trustmark Critical HealthEvents – Group
Trustmark Critical HealthEvents® – Group insurance marketing pieces and presentations provide a brief description of benefits under CII 820 C and CII 820 C MET. This critical illness/specified disease insurance certificate provides supplemental health insurance coverage, which pays a limited, lump-sum benefit for specified diseases only. It is not a substitute for medical expense insurance, major medical expense insurance or a health benefit plan alternative. It does not provide comprehensive medical coverage. It is not intended to pay all medical costs associated with the specified diseases and is not designed to provide coverage for other medical conditions or illnesses. It is also not a Medicare Supplement policy, nor is it a policy of worker’s compensation. Please refer to your certificate and outline of coverage, if applicable, for complete information. Limitations on pre-existing conditions may apply. Benefits, definitions, exclusions, form numbers and limitations may vary by state. For costs and coverage detail, including exclusions, limitations and terms, see your agent or write the company. Underwriting conditions may vary, and determine eligibility for the offer of insurance.
Exclusions
No benefits will be paid for losses that are caused by or occur as the result of any of the following:
No benefit will be paid for any loss incurred during the first 12 months after the Covered Person’s Effective Date which is caused by, related to, or resulting from a Pre-existing Condition.
Exclusions
No benefits will be paid for losses that are caused by or occur as the result of any of the following:
- A Pre-existing Condition as described and limited in this Certificate;
- Coma when medically-induced or resulting from injury;
- Non-invasive squamous cell and basal cell skin cancers;
- Premalignant conditions and polyps;
- Attacks of Vertebrobasilar Ischemia;
- Any condition not listed explicitly in the Schedule;
- Involvement in a war or act of war, declared or undeclared;
- Intentional self-inflicted injury or attempted suicide;
- Commission of or attempt to engage in criminal activity, whether convicted or not, or an illegal occupation;
- Participation in a riot.
No benefit will be paid for any loss incurred during the first 12 months after the Covered Person’s Effective Date which is caused by, related to, or resulting from a Pre-existing Condition.
This represents the possible exclusions and limitations that may apply. Actual exclusions and limitations may vary by certificate. Your certificate will contain exact details.
Trustmark® and Trustmark Critical HealthEvents® are registered trademarks of Trustmark Insurance Company.
Underwritten by Trustmark Insurance Company, Lake Forest, Illinois.
An AM Best rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. Trustmark is rated A (3rd out of 13 possible ratings ranging from A++ to D).
Last Updated 4/3/2024.
Trustmark Voluntary Benefit Solutions, Inc. is a subsidiary of Trustmark Mutual Holding Company. Insurance products are underwritten by Trustmark Insurance Company or, for life insurance products in NY, Trustmark Life Insurance Company of New York.
A112-3827