local_police Your Shield Beyond the Badge

Comprehensive Major Medical

• $500,000 3-year renewable benefit per person for primary members and dependents under age 55.
• Benefit reduces to $200,000 as a lifetime benefit when members retire at age 55.
• Plan reimburses at 80% of reasonable and customary charges.

Financial Protection (Life Benefit)

• Your beneficiary/ies receive a basic $25,000 one-time benefit to help cover funeral and living expenses.
• If death is a result of an accident, an additional $25,000 is paid out, for a total of $50,000.
• This lump-sum payout replaces income for your family's daily living, education, and future, securing their standard of life.

Critical Illness Benefit

• A $25,000 one-time living benefit payout for the primary insured member only upon diagnosis.
• Covers 10 critical illnesses including Heart Attack, Cancer, Stroke, and Kidney Failure.
• This lump sum can be used for specialized treatment, experimental drugs, or adapting your home during recovery.

Wellness & Claims Convenience

• Preventative Care: Free annual physical for all PRIMARY participants. This benefit is not subject to a deductible or co-insurance.
• Online Claim Processing/Auto-Adjudication: Present your Sagicor CariCARE Card to participating providers and pay only your portion, making claims settlement faster and easier.

Monthly Rates (Life and Health Benefits)

Active Employees Under Age 65:

Benefits	Emp. Only	Emp. + One Dep.	Emp. + Family
Total	$98.20	$156.25	$194.05

Active Employees Over Age 65 & Retirees:

Benefits	Emp. Only	Emp. + One Dep.	Emp. + Family
Total	$117.90	$210.80	$271.30

*Please Note: Dental and Vision benefits are NOT covered under this plan.

Important Financial Terms

• Deductible: $350 is the first amount of eligible expenses you incur each calendar year before benefits begin.
• Co-Insurance/Stop Loss: After the deductible is met, the plan reimburses 80% of eligible expenses up to the stop-loss maximum ($40,000); thereafter, you are reimbursed at 100% of eligible expenses.
• Pre-Existing Condition Limit: If you receiv/home/docker/volumes/life_insurance_pub_html/_data ed treatment for an illness or injury 90 days prior to enrollment, benefits for further treatment for the same condition are limited to a maximum of $750 during the first 12 months of enrollment.
• Carry over Provision: Claims incurred for the first time during the last three (3) Months of a calendar year are used to reduce the deductible for the following year.