Page 12 - 2024 HCTec Benefits Guide

Voluntary Plans

Accident Plan- CIGNA Critical Illness Plan- CIGNA
Accident Insurance provides benefits to help cover the costs Critical Illness Insurance provides cash to help pay for both
associated with unexpected bills due to covered accidents, medical expenses not covered by your medical plan as well as
regardless of any other insurance you have. If you purchase day-to-day expenses that may start to add up – like rent,
mortgage, car payments, etc. – while you are ill. With Critical
coverage and are hurt in a covered accident, you will receive
Illness Insurance, if you are diagnosed with a covered illness,
a cash benefit for covered injuries.
you get a lump-sum cash benefit, even if you receive other
Coverage amounts insurance benefits.
CIGNA Accident Plan Coverage amounts

Cash benefit based on type of accident Employee Spouse Child(ren)
(Ranges from $50-25,000) $5,000, $5,000 or 25% of employee
$10,000, $10,000 coverage amount
Examples of covered: $15,000 or (Cannot exceed
 Broken bones $20,000 Employee
 Burns coverage)
 Torn ligaments Examples of covered illnesses:
 Cuts repaired by stitches
 Eye injuries  Cancer (Invasive)
 Heart attack
 Ruptured discs
 Concussion  Major organ failure
 End-stage renal (kidney) failure

Medical GAP Plan- Symetra  Stroke
Medical GAP Insurance provides a fixed lump-sum payment Your initial benefit provides a lump-sum payment upon the
that can help cover hospital expenses not covered by first diagnosis of a covered condition. Your plan pays a 100%
insurance, or to pay for expenses while you, your recurrence benefit on the above listed conditions if it
spouse/domestic partner and/or dependents are in reoccurs 12 months apart without treatment.
the hospital.
 The plan pays $300 per day, for up to 5 days (per person,
per calendar year), that an individual is hospitalized.
 The plan pays $600 per day, for up to 5 days (per person,
per calendar year), that an individual is in intensive care.

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