Understanding the Catastrophic Illness Plan

Our Catastrophic Illness Plan is designed to provide peace of mind during unexpected medical emergencies. It supplements the Basic Medical Plan by offering enhanced financial protection when you or your covered family members—specifically your spouse or dependent children—experience a sudden and severe illness.

This plan activates in high-cost medical situations that would otherwise exceed the scope of routine coverage. Once you meet the annual deductible, the plan covers a large portion of qualified medical expenses, including hospital stays, emergency surgeries, and specialized treatments.

Key benefits include:

• Affordable monthly premiums compared to full coverage plans

• Coverage for high-cost, low-frequency health events

• Access to preventive care and three annual primary care visits

• Eligibility for employees with a hardship exemption or under age 30

This plan is ideal if you’re generally healthy but want protection against rare, high-cost events. It ensures you won’t face overwhelming medical bills if a family member falls seriously ill.

Enrollment typically occurs during open enrollment or following a qualifying life event (e.g., birth, marriage, or job change).

For full details on plan limits, exclusions, and how to file claims, refer to the [Benefits Summary Document] or contact HR.