Protecting Against Risks to Physical and Financial Wellness
Critical illness insurance helps provide financial protection against direct and indirect out-of-pocket costs associated with a specified critical illness. Medical expenses are a leading cause of personal bankruptcy, and this voluntary coverage can help bridge the gap financially.
This Critical Illness coverage is not comprehensive health insurance coverage (often referred to as "Major Medical Coverage").
It does not satisfy the individual mandate of the affordable care act. It does not meet the requirements of minimum essential coverage as defined by federal law.
Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, 751 Broad Street, Newark, NJ 07102. Prudential's Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses and does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774.