CS-BR-WA-BASE-PRE

Protecting your family, finances and future.

washington national

critical illnesssupplementalhealth insurance

critical

Underwritten by Washington National Insurance Company

Select the right critical illness coverage in two easy steps:

STEP 1: Choose from three coverage types.1. Critical illness cancer only provides payment when cancer is diagnosed.

2. Critical illness without cancer provides payment when a heart attack, stroke or end-stage renal failure is diagnosed.

3. Critical illness with cancer provides payment when cancer, heart attack, stroke or end-stage renal failure is diagnosed.

STEP 2: Choose from two benefit options.1. Option A offers you a lump-sum benefit payment of $10,000 to $70,000.

2. Option B offers you a lump-sum payment of $10,000 to $70,000plus additional indemnity benefits that provide extra protection against covered critical illnesses.

How would you pay for the out-of-pocket expenses of a critical illness?If youre like many Americans, you have just a few options:

n Spend your savings.n Sell your assets.

n Buy supplemental insurance to protect your family, finances and future.

Benefits Option A Option B

Lump-sum benefit Wellness benefit Hospital confinement Consultation benefit Radiation and chemotherapy* Premium amounts vary based on the coverage, option and lump-sum benefit amount you select.

*This benefit does not apply to the critical illness without cancer coverage.

Your supplemental coverage comes with these important assurances:n Your benefits are paid directly to you or to whomever you choose, unless otherwise required.n Your benefits are paid regardless of any other insurance you carry.n Your rates cannot be increased unless all rates of that kind are raised in your state.n Your policy is guaranteed renewable for life as long as premiums are paid on time.n Only you can cancel your coverage.

Day-to-day life is complicated

enough all on its own.

So when youre facing the

extra stress of a critical illness,

youre better off when you can

keep your financial worries to

a minimum.

A supplemental health

insurance policy can help you

protect your family, finances

and future in your time of need.

Washington National Critical

Solutions offers benefits you

can use to pay for the expenses

associated with a critical illness

diagnosis and treatment.

?DID YOU KNOW?THE RISKS Men have nearly a 1-in-2 lifetime risk of developing

cancer. Women have a 1-in-3 lifetime risk.1

Nearly 1.3 million suffer a heart attack each year in the U.S.2

Every 40 seconds on average, someone in the U.S. has a stroke.3

THE COSTS The total overall cost of cancer in 2010 was

estimated at $226.8 billion.4

The annual total cost of cardiovascular disease and stroke in the U.S. is an estimated $297.7 billion.5

1 American Cancer Society, Cancer Facts & Figures 2012, 2012, p. 1; 2 Heart Disease and Stroke Statistics2012 Update: A Report from the American Heart Association, Circulation, 2012; 3 Ibid; 4 American Cancer Society, Cancer Facts & Figures 2012, 2012, p. 3; 5 Heart Disease and Stroke Statistics2012 Update: A Report from the American Heart Association, Circulation, 2012.

The above facts represent the U.S. population, are provided for information only and do not imply coverage under the policy or endorsement of the company or policy by the people and organizations listed above.

LUMP-SUM BENEFITn $10,000, $20,000, $30,000, $40,000, $50,000, $60,000 or $70,000This benefit is paid when you are first diagnosed with cancer (except skin cancer), heart attack, stroke or end-stage renal failurebased on the coverage youve selectedwith acceptable proof of diagnosis. This benefit is payable once for each insured, and premiums are based on the benefit level you select. Coverage for child(ren) is available at $10,000.

WELLNESS BENEFITn $50 per year for critical illness cancer only coveragen $50 per year for critical illness without cancer coveragen $100 per year for critical illness with cancer coverageAfter a 30-day waiting period, this benefit pays for covered screenings. Covered screenings vary based on the selected coverage; please refer to your policy for a complete list of covered screenings. This preventive benefit is limited to one test per person per calendar year. This benefit is paid whether or not you are diagnosed with cancer, heart attack, stroke or end-stage renal failure.

HOSPITAL CONFINEMENT Including U.S. Government Hospitals1

n $200 per day, 130 daysn $400 per day, 31+ daysBenefits are paid each day you are confined to a hospital when you are diagnosed with cancer, heart attack, stroke or end-stage renal failure, based on the coverage you selected.

CONSULTATION BENEFITn $250 per specified critical illness diagnosis

This benefit is paid when you are diagnosed with cancer, heart attack, stroke or end-stage renal failure and consult a physician or alternative care provider for a treatment plan. The benefit is paid one time according to the coverage you selected.

RADIATION AND CHEMOTHERAPYn $200 per day or $200 per drug

This benefit is payable when a physician prescribes radiation or chemotherapy as part of a cancer treatment plan. Treatment may be performed on an inpatient or outpatient basis. At the time of administration, the treatment must be fully or investigationally approved by the U.S. Food and Drug Administration for cancer treatment.

n Radiation: $200 per dayn Chemotherapy, injected by medical personnel: $200 per day

Injections must be made by medical personnel in a physicians office, clinic or hospital.

n Chemotherapy, self-administered: $200 per drug This benefit is limited to $1,600 per month.

1 A hospital is not a bed, unit or facility that functions as a skilled nursing facility, nursing home, extended care facility, convalescent home, rest home, home for the aged, sanatorium, rehabilitation center, place that primarily provides care for alcoholics or drug addicts, or facility for the care and treatment of mental disease or mental disorders.

Benefit descriptions

Limitations and exclusions Benefits will not be paid for loss contributed to, caused by or resulting from having or being diagnosed with any other disease, sickness or incapacity, even if the disease or condition was caused, complicated or aggravated by the specified critical illness; diagnosis of a specified critical illness during the waiting period (the waiting period is the first 30 days following the effective date of coverage, coverage begins on the 31st day);; participating or attempting to participate in an illegal act or working at an illegal job; injuring or attempting to injure yourself intentionally, regardless of mental capacity; committing or attempting to commit suicide, regardless of mental capacity; war or active war, declared or undeclared. We will return, at your request, the prorated premium paid for you for any period you are not insured by this policy while you are in such service; and alcoholism or drug addiction.

No benefits are payable for a pre-existing condition during the first twelve (12) months after the effective date of coverage. A pre-existing condition is defined as the existence of symptoms that would cause an ordinarily prudent person to seek diagnosis, care or treatment within a twelve (12)-month period preceding the effective date of coverage of the insured, or a condition for which medical advice or treatment was recommended by a physician or received from a physician within a twelve (12)-month period preceding the effective date of coverage.

Critical illness without cancer coverage and Critical illness with cancer coverage: Heart attack does not include any other disease or injury involving the cardiovascular system; cardiac arrest not caused by a myocardial infarction is not a heart attack. Heart attacks or strokes occurring during or as the result of any medical procedures are not covered. Renal failure caused by a traumatic event, including surgical trauma, is not covered.

This brochure is intended to be a brief, general description of coverage. For more complete details of coverage, including benefits, limitations and exclusions specific to your state, please review the policy with your agent.

Policy form series: CIC1039-WA

Underwritten by Washington National Insurance CompanyHome Office11825 N. Pennsylvania StreetCarmel, IN 46032

WashingtonNational.com

2014 Washington National (06/14) 154629

CS-BR-WA-BASE-PRE

Premera Blue Cross is an independent licensee of the Blue Cross Blue Shield Association. Washington National Insurance Company is an independent provider of supplemental health and life insurance that does not provide Blue Cross Blue Shield products or services. Washington National Insurance Company is solely responsible for its policies. Washington National Insurance Company policies are not considered qualified health plans and do not provide essential health coverage as required by the Affordable Care Act. Washington Nationals policies are considered excepted benefits policies which do not meet the individual mandate requirements of the Affordable Care Act.

037338 (07-2016)

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effectively with us, such as: Qualified sign language interpreters Written information in other formats (large print, audio, accessible

electronic formats, other formats) Provides free language services to people whose primary language is not

English, such as: Qualified interpreters Information written in other languages

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:(Farsi) .

. Premera Blue Cross .

. .

)800-842-5357 TTY( 800-722-1471 .

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