While the chances of surviving a critical illness such as cancer, heart attack or stroke are greater than ever, living with the condition can create severe financial hardships.
Traditional health insurance plans cover medical expenses, but costs such as insurance deductibles, child care, travel to and from treatment facilities, and short-term home health care must often be paid out-of-pocket by the patient.
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While disability insurance policies will replace lost income, they may require a lengthy waiting period to take effect.
We designed AIG CriticalCare® Plus supplemental health insurance to help cover the additional expenses associated with a critical illness diagnosis. The benefit is paid directly to you to use as you see fit — regardless of what is covered by your other insurance plans.
- Pays a tax-free (based on current federal income tax laws) single-payment benefit regardless of what is
covered by other sources — up to $500,000 — directly to the policy holder
- Pays all benefits directly to the policy holder (unless payment is assigned to a healthcare provider), regardless of what is covered by traditional health plans
- Can cover a broad range of conditions most likely to cause major lifestyle changes, including cancer, heart
attack, stroke and kidney failure
- Can cover the Loss of Independent Living Benefit, which covers the inability to perform at least two of six activities of daily living: bathing, dressing, toileting, transferring, continence and eating
- Can cover spouse and children on the same policy
- Preventive Care Benefit pays up to $50 a year for a wide variety of medical tests
- Free membership in Best Doctors® referral service, should the policy holder pursue a specialist for a second opinion 2
- Return of Premium Feature: Premiums paid under this policy may be returned to the policy owner upon death of the insured. The amount refunded will be equal to the total premium paid from the original effective date less any benefits previously paid under the policy.3
- Issue ages from 18 to 64, 59 for smokers and for the 10-year plan
- Fully underwritten for amounts over $100,000
- Non-medical underwriting up to $100,000
- Five coverage plans available: A lifetime plan and four term plans — 10-year, 15-year, 20-year and 30-year terms — the only critical illness plan on the market with term options
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- The Benefit Extension Rider5 provides coverage for additional diagnoses of a critical illness and delivers
benefits beyond that of the base policy for:
- a critical illness that is different from all previously diagnosed critical illnesses; or
- a critical illness that is the same as a previously diagnosed critical illness; can provide benefits
upon a second or third diagnosis
- The Medical Personnel HIV Rider pays the full benefit to a medical professional upon diagnosis of HIV acquired in the course of work-related duties
- The Accidental Death and Dismemberment Rider pays an additional lump-sum cash benefit in the event of an accidental dismemberment or loss of life
To get more information and a quote regarding accident and health insurance products, contact Pacific Benefits Group. 
Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions are covered in every state. Please consult the policy form and outline of coverage for details.
1 Not all benefits are available in every state. Consult the policy form and outline coverage for state variations.
2 Best Doctors is a registered trademark of Best Doctors, Inc., in the United States and other countries, and it is used under license.
3 The return of premium provision does not directly take into account the time value of money or the effects of inflation. This was taken into account when the premiums were determined.
4 There is an additional premium for each rider selected.
5 The Benefit Extension Rider does not provide coverage for every illness covered by the base policy.
Policy issued by:
American General Life Insurance Company
A subsidiary of American International Group, Inc.
2727-A Allen Parkway, Houston, TX 77019
AIG CriticalCare Plus Policy Form Number 05130
Benefit Extension Rider 05137
Medical Personnel HIV Rider 05139
Accidental Death and Dismemeberment Rider 05138
The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. AIG does not underwrite any insurance policy referenced herein. American General Life does not solicit business in the state of New York. Policies and riders not available in all states.
