Major medical health insurance gives us the benefit of obtaining quality health care and access to doctors when we get sick. But what happens to our finances if our illness is prolonged and needs critical care or we have an accident that requires immediate medical care, leading to loss of income? Too often people are left in financial hardship when critical illnesses or accidents strike. With our Critical Illness and our 24-Hour Accident Medical & Dental plans specifically designed to address this lack of coverage, you have peace of mind of knowing you are covered.

Critical Illness Coverage

Critical Illness Brochure [PDF]

An unexpected diagnosis of a life-threatening health condition creates emotional and financial stresses. If you are diagnosed with a critical illness you will want to concentrate on getting well and not worry about how you are going to pay your bills. Our critical illness insurance provides coverage that can allow you to concentrate on getting better. By paying a lump-sum benefit for a designated critical illness, the plan helps fill gaps that traditional life, medical and disability coverage may leave.

The lump-sum benefit is determined by the limits you choose and are paid upon diagnosis of any of the following critical illnesses:

1. •Life-threatening Cancer
   

2. •Paralysis
   

3. •Heart Attack
   

4. •Loss of Sight, Speech, or Hearing
   

5. •Kidney (renal) Failure
   

6. •Major Organ Transplant
   

7. •Stroke
   

8. •Severe Burns
   

9. •Coma
   

The lump-sum benefit is paid to you and can be used for any purpose.

24-Hour Accident Medical Coverage*

24-Hour Accident Medical & Dental brochure [PDF]

According to the National Safety Council, accidents are the leading cause of death for Americans aged 1 to 41 and are the 5th leading cause of death overall. In addition accidents also account for many other conditions such as dismemberment, loss of sight, loss of speech, loss of hearing, and paralysis. The 24-hour accident medical plan available to AAGE/AAPE members includes:

1. •Up to $10,000 Accident medical coverage**
   

2. •Up to $10,000 Accidental death & dismemberment coverage**
   

3. •Weekly disability income for total disability resulting from an Accident
   

1. •Emergency air ambulance service (not associated with the Accident medical coverage provider).
   

1. *Please download and read the brochure to see more details and learn about coverages.
   

** Guarantee Trust Life Insurance Company (GTL) provides the Accident Medical coverage and Accidental Death and Dismemberment coverage. GTL does not provide nor is it affiliated with the discount programs offered as a part of your membership in the American Associations of Government and Private Employees.

** Accident Medical coverage is not available in AK, ME, MD, MN, MT, NH, NY, OR. Membership and coverage is effective the 1st of the month following acceptance of membership. Requires membership in the American Association of Government Employees or the American Association of Private Employees. Rates renew on an annual basis.

Supplemental Health Products help address gaps in healthcare coverage or supplement existing coverage. These are not comprehensive major medical plans.

Supplemental Health Products

Making sure you are fully covered is key to financial stability