Voluntary Benefits

Disclosures

Trustmark Critical HealthEvents Insurance

For Trustmark Critical HealthEvents® – Group insurance disclosures, click here.

Trustmark Critical HealthEvents® insurance marketing pieces and presentations provide a brief description of benefits under CII 214 and applicable riders SIR 214, ASR 214, HLR 214, CGR 214, WPD 214, WPC 214, MAR 214, and EZV 214. This critical illness/specified disease insurance policy/group certificate provides supplemental health insurance coverage, which pays a limited, lump-sum benefit for specified diseases only. It is not a substitute for medical expense insurance, major medical expense insurance or a health benefit plan alternative. It does not provide comprehensive medical coverage. It is not intended to pay all medical costs associated with the specified diseases and is not designed to provide coverage for other medical conditions or illnesses. It is also not a Medicare Supplement policy, nor is it a policy of worker’s compensation. Please refer to your policy/group certificate and outline of coverage, if applicable, for complete information. Limitations on pre-existing conditions may apply. Benefits, definitions, exclusions, form numbers and limitations may vary by state. For costs and coverage detail, including exclusions, limitations and terms, see your agent or write the company. Underwriting conditions may vary, and determine eligibility for the offer of insurance.

Trustmark® and Trustmark Critical HealthEvents® are registered trademarks of Trustmark Insurance Company.

Underwritten by Trustmark Insurance Company, Lake Forest, Illinois.

For additional disclosures specific to your state, see below:

Arizona

Exclusions

No benefits will be paid for any of the following:*

  • A diagnosis made prior to the Effective Date or during the Waiting Period as applicable to the Covered Person
  • Non-invasive squamous cell and basal cell skin cancers
  • Premalignant conditions and polyps
  • Attacks of Vertebrobasilar Ischemia
  • Any condition not listed explicitly in the Schedule of Benefits

Any Illness resulting from the Covered Person’s:

  • Use of alcohol, drugs, narcotics, or hallucinogens not prescribed by a Physician, or not used in the manner prescribed by the Physician
  • Commission of or attempt to commit a felony
  • Engagement in an illegal occupation
  • Involvement in a war or act of war, declared or undeclared
  • Participation in a riot

Pre-existing Condition Limitation:

No benefit will be paid for any condition caused by or resulting from a Pre-existing Condition which begins in the first 12 months after the Covered Person’s coverage Effective Date.

*Cancer and cancer-related conditions are not covered conditions with all Critical HealthEvents plans. See your policy/certificate for complete details.

Kansas

Plan form CII M 214 C and applicable riders SIR M 214, ASR M 214, HLR M 214, CGR M 214, WPD M 214, WPC M 214 and EZV M 214:

No benefits will be paid for any of the following:

  • A diagnosis made prior to the Effective Date or during the Waiting Period as applicable to the Covered Person
  • Non-invasive squamous cell and basal cell skin cancers
  • Premalignant conditions and polyps
  • Attacks of Vertebrobasilar Ischemia
  • Any condition not listed explicitly in the Schedule of Benefits
  • Any Illness resulting from the Covered Person’s:
    • Use of alcohol, drugs, narcotics or hallucinogens not prescribed by a Physician, or not used in the manner prescribed by the Physician
    • Commission of or attempt to commit a felony
    • Self-inflicted injury, while sane or insane
    • Suicide, or attempt to commit suicide
    • Engagement in an illegal occupation
    • Involvement in a war or act of war, declared or undeclared
    • Participation in a riot

Plan Form ASR M 214:

For the purposes of this rider, the “Exclusions” section of the Certificate is revised to include:

No benefits will be paid for:

  • Sickness caused by an injury, pregnancy, complication of pregnancy, mental or nervous disorder, or functional impairment due to the normal aging process where no other medical condition exists.

This represents all possible exclusions and limitations that may apply. Actual exclusions and limitations may vary by policy. Your policy will contain exact details.

An AM Best rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. Trustmark is rated A (3rd out of 13 possible ratings ranging from A++ to D).

Last Updated 3/29/2024

Trustmark Voluntary Benefit Solutions, Inc. is a subsidiary of Trustmark Mutual Holding Company. Insurance products are underwritten by Trustmark Insurance Company or, for life insurance products in NY, Trustmark Life Insurance Company of New York.