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Safeguard Critical Illness

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Why Choose Safeguard Critical Illness?

The Med-Sense Guaranteed Association (MSGA), is a not-for profit organization that provides memberships to individuals. Members enjoy access to a variety of health, travel, and consumer discounts and business services


Why Safeguard Critical Illness Coverage?

Critical illnesses such as cancer, heart attack, and strokes have dramatically increased over the years. Additional costs associated with critical illnesses that are not covered by health insurance may leave survivors and their families with unpaid expenses. Safeguard Critical Illness insurance may be able to help pay unexpected out of pocket costs. Safeguard Critical Illness is available for Individual or Family Coverage.

How to use the money?

Benefits through Safeguard Critical Illness are paid directly to you or your designees, regardless of any other insurance you may have. You choose how to spend the money at a time when you and your family may need extra cash the most. Some examples of the ways in which you may choose to spend the benefit:

  • Co-pays and deductibles
  • Home healthcare
  • Medical bills
  • Non-covered “experimental” treatments
  • Drug cost
  • Extra recovery time
  • Bills
  • Living expenses
  • Choice of $50,000 or $100,000 maximum Accidental Death and Dismemberment benefits

Exclusions

The policy does not cover:

  • A Covered Condition caused by or resulting from, directly or indirectly, the Insured Person’s alcoholism or drug or substance abuse. In addition, the insurance does not apply to any confinement in a detoxification facility or drug or alcohol rehabilitation facility that is not also a Hospital or part of a Hospital
  • a Covered Condition caused by or resulting from, directly or indirectly a congenital condition as Diagnosed by a licensed Physician.
  • cosmetic surgery or care or treatment solely for cosmetic purposes or complications therefrom. This exclusion does not apply to cosmetic surgery resulting from an Accident if initial treatment of the Insured Person is begun within twelve (12) months of the date of the Accident or to treat congenital defects in covered newborns.
  • any service, supply or Covered Condition that is experimental or investigational
  • any Sickness or Accident caused by or resulting from, directly or indirectly any occurrence while the Insured Person is incarcerated.
  • a Covered Condition caused by or resulting from, directly or indirectly, the Insured Person’s commission or attempted commission of a felony or being engaged in an illegal activity or occupation.
  • a Covered Condition caused by or resulting from, directly or indirectly, an Insured Person’s voluntary participation in a riot.
  • any Covered Condition caused by or resulting from, directly or indirectly, an Insured Person’s participation in scuba diving to depths of more than 100 feet; skydiving; hang-gliding or para-gliding; parascending other than over water; bungee jumping; mountaineering or rock climbing normally requiring the use of guides or ropes; or caving.
  • normal pregnancy. Complications of Pregnancy are covered as any other Sickness.
  • pregnancy of a Dependent Child, unless required by law.
  • a Covered Condition caused by or resulting from, directly or indirectly, the Insured Person participating in any professional sporting activity for which the Insured Person received a salary or prize money.
  • a Covered Condition caused by or resulting from, directly or indirectly, a Pre-Existing Condition.
  • a Covered Condition that has been Diagnosed or to any surgical procedures that have been performed outside of the United States or its Territories, unless the Diagnosis can be verified by a Physician licensed to practice within the United States or its Territories.
  • any Covered Condition caused by or resulting from, directly or indirectly, the Insured Person being engaged in or participating in a motorized vehicular race or speed contest
  • any rest care or custodial care or treatment for any Sickness or Accident.
  • a Covered Condition caused by or resulting from, directly or indirectly, the Insured Person’s refusal of the following recommended medical treatment: a. a Physician has recommended treatment with angioplasty or Coronary Artery By-Pass Graft for coronary artery disease, the Insured Person refuses treatment, and the Insured Person suffers a Heart Attack; or b. a Physician has recommended treatment for a brain aneurysm or carotid artery stenosis, the Insured Person refuses treatment, and the Insured Person suffers a Stroke; or c. a Physician has recommended a Diagnostic biopsy or Diagnostic/therapeutic excision of a mass or lesion suspected of being Cancer, the Insured refuses and the Insured Person develops Type 1 Cancer, Skin Cancer, or Type 2 Cancer.
  • a Covered Condition caused by or resulting from, directly or indirectly, the Insured Person traveling or flying on any rocket propelled or rocket launched conveyance.
  • any Sickness or Accident caused by or resulting from, directly or indirectly, the Insured Person participating in military action while in active military service with the armed forces of any country or established international authority.
  • any Covered Condition caused by or resulting from, directly or indirectly, war, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel, any action taken in hindering or defending against any of these, the destruction or seizure of property for a military purpose or any consequences of any of these acts regardless of any other direct or indirect cause or event, whether covered or not, contributing in any sequence to the loss.
  • Sickness or Accident arising out of and in the course of any occupation for compensation, wage or profit or which are payable under Occupational Disease Law, Workers Compensation or similar law, whether or not application for such benefits have been made.