VitalCheque is the ultimate in Critical & Chronic Illness protection insurance. 
VitalCheque can be purchased as either a Basic Plan or as an Enhanced Plan.

You can elect any of several options:

(a) Mandatory plan,        

(b) Optional Plan, or

(c) Combination of Mandatory & Optional plans. 

The total coverage, whether an individual plan or a combination of plans, cannot exceed $100,000 per life insured

1.)  Mandatory Group plan:

A mandatory plan covers all eligible employees without any required proof of good health.  A specific dollar amount limit is predetermined based upon the size of each group.  The group rate will be a composite rate determined based upon the gender and age mix of the specific group.

Issue ages are to age 69 inclusive and benefits expire at age 70.

*NOTE: Individual selection i.e. by employee will not be allowed.  One benefit amount must be selected by “class” of employees and there cannot be more than a “3 times” benefit difference by class.  “Class” is defined either by title or occupational description. Either a Basic or Enhanced plan option must be selected for the entire group.

2.)  Optional Group plan:

An optional plan is available as a top up to a mandatory plan or by itself.  Any amount between $25,000 and $100,000 (in units of $5,000) is available, subject to the completion and approval of a Critical Illness Statement of Health.  Rates will be based on gender (Male/Female), smoking status (Smoker/Nonsmoker), age (5 year age bands), and option selected, Basic or Enhanced.

a) Optional True Group:

There must be a minimum of 5 insured lives for an optional group plan to be implemented or used to top up a mandatory plan.

b) Optional Affinity/Association Group:

An optional plan is only available for Associations or Affinity programs involving 100 or more insured lives.