Page 2 Covered Conditions Benefit Percentages Recurrence Benefit Percentages Major organ failure 100% 100% End-stage heart failure 100% 100% End-stage kidney disease 100% 100% Occupational infectious disease 100% N/A Coronary Artery Bypass 25% 25% Angioplasty 5% 5% Invasive Cancer 100% 100% Cancer in Situ 25% 25% Skin Cancer 5% 5% Benign Brain Tumor 100% 100% Coma 100% 100% Paralysis 100% N/A Severe Burns 100% 100% Advanced ALS/Lou Gehrig’s Disease 100% N/A Advanced Alzheimer's Disease 100% N/A Advanced Parkinson's Disease 100% N/A Blindness 100% N/A Complete Loss of Hearing 100% N/A Loss of Speech 100% N/A Childhood Specific Conditions Cerebral Palsy 100% N/A Complex Congenital Heart Disease 100% N/A Cystic Fibrosis 100% N/A Type 1 Diabetes Mellitus 100% N/A Muscular Dystrophy 100% N/A Down Syndrome 100% N/A Spina Bifida 100% N/A Cleft Lip/Palate 100% N/A Critical Illness features Additional Occurrence Pays a second, unrelated diagnosis. Requires 3 mo. between diagnoses. Recurrence Pays subsequent diagnoses of a previously paid condition. Requires 6 mo. between diagnoses. Enrollment Annual Open Enrollment Portability To age 70 Rate Basis Attained Age Rating Pre-Existing Condition Limitation If a claim is filed within the first 12 months after the effective date, we will look back 12 months prior to the effective date to determine if the claim is due to a pre-existing condition. Wellness Screening Benefit $50 annually when qualifying exams or screenings are completed.