Receiving a diagnosis of a serious illness is a complicated situation and shakes not only your life but the structure of your entire family. When this diagnosis is received, concerns about the future are added to the new uncertainties facing the new scenario.
Therefore, having the peace of mind that financial commitments will be kept is paramount, as this certainty will allow efforts to focus on what matters most: your health. Learn about the cases in which you can count on a cash benefit to use however you want.
You can find coverage for Serious Illness in Protection Life Insurance, Serious Illness Life Insurance, Professional Life Insurance, and Security Professional Life & eye Insurance.
What is guaranteed?
Payment of benefit in case of diagnosis of:
- Cancer, leukemias, and malignancies of the lymphatic system such as Hodgkin’s disease;
- Acute myocardial infarction;
- Cerebrovascular accident (CVA);
- Myocardial revascularization surgery with implantation of vascular bridge(s) in the coronary arteries (bypass);
- Alzheimer’s disease
What is not guaranteed?
Some situations are not covered by life insurance and are even unusual. But it is important that you know them so that you are sure of the choice you are making. Below are the cases in which the benefit will not be paid:
In cancer cases:
- Any tumor and/or lesion histologically described as premalignant;
- All non-invasive (in situ) cancers;
- Prostate cancer in primary stages (below B0 by the Jewett classification and below T1c by the TNM classification;
- Malignant melanoma, when the degree of tissue invasion is low (with a depth of less than 1.5 mm, according to the Breslow classification);
- Any malignant tumor in the presence of any human immunodeficiency virus;
- Any skin cancer that is not malignant melanoma;
- Cancer existed before the individual coverage came into effect;
- A second diagnosis (there is no accumulation of claims);
- Payment of benefit to people who received the diagnosis at the age of 70 years and one day;
- Payment of benefit in cases of death of the person, within a period of 30 days from the date of diagnosis of the disease;
- Payment of benefit to people who received the diagnosis before the end of the 90-day grace period.
In cases of acute myocardial infarction:
- Angina pectoris;
- recumbency angina;
- Myocardial infarction without ST-segment elevation on ECG with troponin elevation “I” or “T”;
- Other acute coronary syndromes.
In cases of acute stroke:
- Transient ischemic attack and ischemic neurological impairments;
- Brain hemorrhage caused by accidents, brain tumor or brain surgery;
- Ophthalmic artery obstruction resulting in neurological damage;
- Neurological symptoms are caused by migraines.
In cases of bypass surgery:
- Angioplasty and other intra-arterial procedures;
- Key-hole surgery (using closed trunk surgical catheters);
- Any non-surgical procedures or techniques.