Critical Illness Insurance from AIP Benefit Plans
Lump-sum cash benefits to help protect your finances when serious illness strikes.
Why Critical Illness Insurance Matters
Many people assume health insurance will cover everything, but deductibles, copays, and non-medical costs (childcare, transportation, grocery delivery) can add up.
Critical Illness Insurance from AIP Benefit Plans provides a lump-sum cash benefit to help cover these unexpected expenses.
Major health events like cancer, heart attack, or stroke are emotionally and physically overwhelming—the last thing you should worry about is money.
With AIP Benefit Plans, you gain peace of mind knowing you’re better prepared for life’s unexpected health challenges.
Financial Support So You Can Focus on Getting Well
Critical Illness Insurance from AIP Benefit Plans provides a lump-sum cash benefit—one convenient payment made directly to you when you or your family need it most. You can use this money however you choose, including to help with:
• Medical bills and treatment costs
• Household expenses
• Everyday needs like groceries, childcare, or transportation
This benefit is paid directly to you, regardless of any other insurance coverage you may have. When you’re focused on recovery, the last thing you should worry about is your budget. Critical Illness Insurance from AIP Benefit Plans offers extra financial peace of mind, so you can concentrate on getting well and getting life back on track.
Supplement Your Healthcare Coverage with AIP Benefit Plans Critical Illness Insurance
Critical Illness Insurance from AIP Benefit Plans helps safeguard your finances by providing a lump-sum cash payment when you or your family need it most.
Use Your Benefit For:
• Deductibles and copays
• Childcare or household help
• Mortgage or rent payments
• Groceries and daily living expenses
• Travel or experimental treatments
Who Is Covered
You can enroll yourself and your eligible family members during your enrollment period, no medical exams or health questions required, if you are actively at work.
Coverage options include:
• Employee Only
• Employee & Eligible Family Members
Covered Conditions
If you meet the group policy and certificate requirements, Critical Illness Insurance provides a lump-sum benefit upon verified diagnosis of covered conditions such as:
• Kidney failure
• Heart attack
• Stroke
• Major organ transplant
• Coronary artery bypass graft
• Alzheimer’s disease
Your plan also includes a Recurrence Benefit for certain covered conditions. Refer to your Plan Summary for complete details.
Cost of Coverage
• Competitive group rates
• Your cost is based on your chosen coverage level and who you cover under your plan
Guaranteed Coverage
You and your eligible family members are guaranteed coverage if you are actively at work. There are no medical exams and no health questions to answer.
WELLBEING ASSISTANCE BENEFIT
AIP Benefit Plans will pay the amounts shown in the table below to help with expenditures like transportation, missed work, and other incidentals, as a result of having one of the routine, covered preventative services. The service must be performed after any waiting period while coverage in in-force.
Waiting Period is the first 30 days following each Covered Person’s Effective Date during which benefits are not payable. AIPs Wellbeing Assistance benefit applies to employees and covered spouses only.
| Covered Services |
Covered Amount ( once per year per service) |
|---|---|
| Lipid Panel | $25.00 |
| Comprehensive Blood Panel | $25.00 |
| PCP Wellness Visit | $50.00 |
| Cardiac Stress Test | $100.00 |
| Echocardiogram | $100.00 |
| Electrocardiogram (ECG) | $100.00 |
| Sleep Study | $100.00 |
The Wellbeing Assistance Benefit does not cover the services when performed during the diagnostic process or part of the treatment of a medical condition. Annual maximum for covered services is $150. Wellbeing benefit applies to employees and covered spouses only.
ADDITIONAL BENEFIT FOR DEPENDENT CHILDREN COVERED CONDITIONS
• Cerebral Palsy
• Cleft Lip or Palate
• Cystic Fibrosis
• Down Syndrome
• Spina Bifida
Your Benefits in Action
With AIP Benefit Plans, the process is designed to be fast, easy, and focused on helping you when it matters most.
1
Start Your Claim
Visit the AIP Benefit Plans member portal.
Review your certificate of insurance and begin your claim.
2
Provide Basic Information
Answer a few short questions about your diagnosis.
Upload required medical documentation.
3
Receive Your Benefit
After approval, you’ll receive a lump-sum payment directly, to use however you choose.
With AIP Benefit Plans, the process is designed to be fast, easy, and focus on helping you when it matters most.
FAX: 877-711-0768
EMAIL: claimsubmission@aipbenefitplans.com