Covered Illnesses

Your need for insurance protection may change over time and an EssentialLife Enhanced plan is designed to change with you. These plans offer low cost protection for a temporary need and can be renewed at every 5th, 10th or 20th anniversary, or converted to a whole life policy up to age 65 regardless of your health.

• Cancer (Life Threatening)

  Cancer is the abnormal or malignant growth of cells which spread throughout the body destroying healthy tissue. Cancer is a general term used to describe a wide variety of growths, some less serious than others, including those that are not life-threatening. The less-serious forms of cancer are excluded from the list of covered conditions.

• Stroke

  A stroke occurs when the blood supply to the brain is reduced, resulting in damage to functions controlled by the brain. Tiny mini-strokes that do not produce symptoms or persisting neurologic impairment are not covered.

• Heart Attack

  A heart attack may occur when the normal supply of blood to the heart is interrupted by a blocked artery or clot, causing part of the heart muscle to die. The usual symptom is acute chest pain but symptoms are not limited to chest pain.

• Kidney Failure

  Kidney failure is the chronic irreversible failure of both kidneys to function, as a result of which regular haemodialysis, peritoneal dialysis or renal transplantation is initiated.

• Coronary Artery Bypass Surgery

  Coronary artery bypass surgery means the undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass graft(s).

The above is an overview of the five conditions covered by this rider. For more details, please speak to a qualified Colina salesperson or click here.