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Member Services:
National Association of
Consumers Direct
16775 Addison Road
Suite 605
Addison TX 75001
(800) 880-1276
low cost health insurance

Highlights

Critical Illness lump sum benefit of up to $25,000 for you and your spouse
Includes Sign and Drive Roadside Assistance program for you and your family
Starting at only $25.00 per month

Pricing

Secure Upgrade
$2,500 Member Only: $8.00 per month
$2,500 Member + Spouse: $14.00 per month
$5,000 Member Only: $14.00 per month
$5,000 Member + Spouse: $25.00 per month
$10,000 Member Only: $25.00 per month
$10,000 Member + Spouse: $48.00 per month
$25,000 Member Only: $62.00 per month
$25,000 Member + Spouse: $120.00 per month


Most of us don't fully consider the financial consequences of surviving or continuing to suffer from a critical illness. Advances within the medical profession have resulted in vast improvements in survival rates. While this progress must be praised, it has resulted in millions of previously self-sufficient individuals struggling to meet their financial commitments. For example, half of all bankruptcies filed in the United States are due to critical illness, of which 75 percent have health insurance according to Health Affairs 2005 report on the causes of personal bankruptcy. About 1.3 million new cancer cases are diagnosed each year in the U.S., according to The American Cancer Society. The American Heart Association says that every 29 seconds someone suffers a coronary event and every 45 seconds someone suffers a stroke.

The Critical Illness benefit included in your NACD Secure Upgrade will pay a lump sum cash payment to help cover the expenses related to a first diagnosis of a critical illness. With your Critical Illness Benefit, you can apply your lump sum cash benefit toward any health insurance deductibles, co-pays, out-of-pocket prescription costs, or even help to pay your mortgage while you are out of work.


low cost health insurance
Who is eligible?
Adults under age 65 are eligible. Children are not eligible.
This insurance is available in Alaska, Alabama, Arizona, California, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Massachusetts, Michigan, Missouri, Mississippi, Nebraska, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin, West Virginia and Wyoming.
low cost health insurance
About the Insurance Company
Zurich American Insurance Company
read more

About the National Association of Consumers Direct (NACD)
As a non-profit member association, NACD strives to provide its members and their families with consumer education resources and access to affordable benefits and services. Founded in 2001, NACD has assisted thousands of members by providing valuable consumer education resources, membership benefits and membership services. NACD takes pride in "giving consumers a DIRECT Advantage". Bank statement charges appear as "NACD Dues".


Zurich American accident medical insurance

Product Review

General Coverage Provision

Under this Critical Illness Program, Zurich American Insurance Company will pay a lump-sum cash benefit up to the amount selected during enrollment:

- if the Covered Person is diagnosed by a physician as having a covered condition and the diagnosis is made while the coverage is in force;

- if the covered condition first occurs after the waiting period;

- and if none of the exclusions or limitations described in the coverage apply.

After the Coverage Amount is paid, the Coverage will terminate.

Coverage Amount

The Coverage Amount is the amount you select during enrollment and will be reduced as described below:

The Coverage Amount will be reduced to 50 percent of the Coverage Amount when the Covered Person reaches age 65.

If the Policy's Principal Sum is decreased for any other reason, such that the Coverage Amount exceeds 50 percent of the Principal Sum, such Coverage Amount will be reduced to 50 percent of the remaining Principal Sum.

The following are Covered Conditions. If a condition is not listed, it is not a Covered Condition and coverage does not apply.

  • Cancer/Cancerous is a malignant neoplasm (including lymphatic and hematological malignancy) characterized by the uncontrolled growth and spread of malignant cells and the invasion of normal tissue. To qualify for the Coverage Amount, the Diagnosis of Cancer must be supported by histological evidence of malignancy, must be made by a Pathologist Physician, and the Cancer must first occur after a 90-day Waiting Period.

    Excluded from coverage are:
    1. Benign tumors or polyps that are histologically described as non-malignant, pre-malignant or non-invasive.
    2. All tumors, benign or malignant, in the presence of HIV infection.
    3. All skin Cancers with the exception of invasive melanoma classified as Clark level II or higher or having a thickness measured in excess of 0.75mm.
    4. Carcinoma in situ (defined as being in position and not extending beyond the focus or level of origin).
    5. All tumors of the prostate, unless having progressed to at least TNM classification T2N0M0 or histologically classified as having a Gleason score greater than 6.
    6. Chronic Lymphocytic Leukemia (CLL) unless Rai Stage 3 or greater.
    7. Papillary microinvasive Cancer of the thyroid, bladder, cervix, or breast.

  • Heart Attack (Myocardial Infarction) means the death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply. To qualify for the Coverage Amount, the Diagnosis of a Heart Attack must be made by a Physician and the Heart Attack must first occur after a 30-day Waiting Period. The Diagnosis must be supported by all of the following:
    1. A history consistent with Heart Attack;
    2. New electrocardiogram (EKG) changes demonstrating significant Q waves (duration greater than or equal to .04 seconds and a depth greater than or equal to 5 mm) or loss of R waves diagnostic of a Heart Attack;
    3. Elevation of cardiac enzymes, including CPK-MB and troponin; and
    4. If performed, nuclear imaging scan or echocardiogram consistent with Myocardial Infarction.

    Excluded from coverage are all other heart disorders, including but not limited to: congestive heart failure, atherosclerotic heart disease, angina, coronary artery disease, and all other dysfunctions of the cardiovascular system, unless also accompanied by a Heart Attack as defined above.
  • Kidney Failure means the chronic and irreversible failure of both kidneys to excrete metabolites or retain electrolytes. To qualify for the Coverage Amount, the Diagnosis of Kidney Failure must be made by a Nephrological Physician. The Kidney Failure must require either chronic dialysis or transplantation and must first occur after a 30-day Waiting Period.
  • Loss of Limb(s) - The loss of one or more limbs (arms or legs) due to injury. To qualify for the Coverage Amount, the Loss of Limb(s) must involve complete and permanent severance of one or more limbs through or above the elbow or knee joint. The Loss of Limb(s) must be uncorrectable by surgery or any other means. To qualify for the Coverage Amount, the Loss of Limb(s) must first occur after a 30-day Waiting Period.

    Excluded from coverage is Loss of Limb(s) due to a disease process.
  • Major Organ Transplant means the receipt by transplant of human bone marrow or an entire human heart, kidney, lung, pancreas or liver. To qualify for the Coverage Amount, the Major Organ Transplant must be performed by a Physician and must first occur after a 30-day Waiting Period.
  • Paralysis means the loss of motor function due to neurological injury. To qualify for the Coverage Amount, the Diagnosis of Paralysis must be made by a Neurological Physician. There must be complete and permanent loss of use of both legs (complete paraplegia or quadriplegia) through neurological trauma or Accident to the spinal cord. The Paralysis must have been present for a continuous period of at least 90 days. To qualify for the Coverage Amount, the Paralysis must first occur after a 30-day Waiting Period.

    Excluded from coverage is Paralysis resulting from any neurological disease, including but not limited to, Multiple Sclerosis (MS) and Amyotrophic Lateral Sclerosis (ALS).
  • Stroke (Cerebrovascular Accident) - The sudden loss of neurological function due to an ischemic or hemorrhagic intracranial vascular event. To qualify for the Coverage Amount, the Diagnosis of Stroke must be made by a Physician and the Stroke must first occur after a 30-day Waiting Period. The Stroke must produce a symptomatic and measurable neurological deficit persisting for a continuous period of at least 30 days and be verified by computed tomography (CT) scan or magnetic resonance imaging (MRI).

    Excluded from coverage are:
    1. Neurological symptoms due to transient ischemic attack (TIA);
    2. Brain injury resulting from trauma or generalized anoxia (hypoxia); and
    3. Vascular disease affecting the eye, optic nerve, or vestibular function.

Waiting Period

Waiting Period means the continuous period of time beginning on the later of the Coverage Effective Date or the effective date of any Coverage reinstatement, and ending on the last day of the Waiting Period specified for each Covered Condition. The Covered Person must be covered continuously under the Coverage before the Coverage Amount may be payable and the Covered Condition must first occur after the Waiting Period. If the Covered Person's Covered Condition first occurs prior to or during the Waiting Period, no Critical Illness Coverage is payable, the Coverage will terminate, and We will refund to the Insured all premiums paid for this Coverage without interest. A Covered Condition shall be considered to have first occurred when symptoms or laboratory and/or clinical findings that lead to the Diagnosis of a Covered Condition are first documented in the Covered Person's medical records regardless of the date upon which the Diagnosis is actually made.

Preexisting Conditions

Preexisting Condition means a condition for which symptoms existed within twelve months prior to the later of the Coverage Effective Date or the effective date of any Coverage reinstatement. If the Covered Person is Diagnosed with a Covered Condition that is determined by Our Physician at Our expense to be a Preexisting Condition, no Critical Illness Coverage is payable for that Covered Condition until the earlier of the following:
  1. The end of a 12 consecutive month period, beginning on or after the Effective Date of coverage under this Rider, during which the Covered Person has received no medical advice or treatment in connection with the Pre-existing Condition; or
  2. the Covered Person has been continuously covered for two years after the Effective Date of coverage under this Rider.

Diagnosis/Diagnosed

Diagnosis/Diagnosed means the definitive establishment, acceptable to us, of the Covered Condition through the use of clinical and/or laboratory findings and subject to the terms and conditions of the Coverage. The Diagnosis must be made by a Physician who is a board-certified specialist where required under the terms of the Coverage.

Payment of Coverage Amount

Payment of the Coverage Amount is subject to all of the following conditions:

  1. The sum of the Coverage Amounts payable under the Coverage and any other Critical Illness Coverages and Critical Illness policies issued by Us on the life of the Covered Person may not exceed $250,000.
  2. Only one Coverage Amount payment is allowed during the lifetime of the Covered Person, as defined by the terms and conditions of the Coverage.
  3. We must receive proof of eligibility that is acceptable to Us.
  4. We must receive a consent form from all irrevocable beneficiaries and permitted assignees, if any. We also reserve the right to require a consent form from the Covered Person and the Insured, their spouse’s, other beneficiaries, and any other person, if in our sole discretion, such person’s consent is necessary to protect our interests.
  5. This Coverage is not meant to cause involuntary access to proceeds. Therefore, this Coverage will be restricted to a refund of the premiums paid to date for the Coverage without interest if the Covered Person is:
    1. required by law to use the Coverage to meet the claims of creditors, whether in bankruptcy or otherwise; or
    2. required by a government entity to use the Coverage in order

Exclusions and Limitations

In addition to any other conditions, exclusions or limitations set forth in the Coverage, no coverage will be provided if the Covered Condition is caused by, occurs during or results from:

  1. Participation in the commission or attempted commission of a felony.
  2. Voluntary participation in a riot or insurrection.
  3. Refusing certain types of recommended medical treatment, as follows:
    1. A Physician has recommended treatment with angioplasty or coronary artery bypass graft for coronary artery disease, the Covered Person refuses this treatment, and the Covered Person suffers a Heart Attack;
    2. A Physician has recommended treatment for a brain aneurysm or carotid artery stenosis, the Covered Person refuses treatment, and the Covered Person suffers a Stroke; or
    3. A Physician has recommended a diagnostic biopsy or diagnostic/therapeutic excision of a mass or lesion suspected of being Cancerous, the Covered Person refuses, and the Covered Person develops Cancer.

If the Covered Person is Diagnosed with a Covered Condition that the insurer determines to be a Preexisting Condition, no Coverage Amount is payable for that Covered Condition until the earlier of the following:

  1. The end of a 12 consecutive month period, beginning on or after the Effective Date of coverage under this Rider, during which the Covered Person has received no medical advice or treatment in connection with the Pre-existing Condition; or
  2. the Covered Person has been continuously covered for two years after the Effective Date of coverage under this Rider.

Furthermore, this policy will not pay the Coverage Amount for a Covered Condition if:

  1. Such Covered Condition has not been Diagnosed by a Physician;
  2. Such Covered Condition was not Diagnosed until the Coverage had terminated; or
  3. The Covered Person’s date of birth or age was misstated on the application for the Policy and, using the correct date of birth or age, the Coverage would not have become effective or would have terminated prior to Diagnosis of a Covered Condition.

General Terms and Conditions for the Secure Upgrade

The benefits and services included in the Secure Upgrade may be amended or deleted at any time at NACD's discretion. Certain exclusions and limitations apply. See the terms, eligibility, benefit details and FAQs on this website for more details. Not available to members in all states. Not all members will qualify. Enrollment in the NACD Advantage Membership is required to upgrade.

Pros

Zurich American Insurance Company has a strong consumer reputation that adds to the popularity of this insurance.

The coverage is very affordable; rates start at $20 per month for single coverage. The highest benefit level family coverage is typically only $55 per month (plus about $5 association fee). Below is a sample rate and benefit chart (your rates may be different so see the quote link for actual rates):

Critical Illness Benefits Coverage Amount Upgrade Price1
$2,500 - Member Only: $2,500 $8.00 per month
$2,500 - Member + Spouse: $2,500 $14.00 per month
$5,000 - Member Only: $5,000 $14.00 per month
$5,000 - Member + Spouse: $5,000 $25.00 per month
$10,000 - Member Only: $10,000 $25.00 per month
$10,000 - Member + Spouse: $10,000 $48.00 per month
$25,000 - Member Only: $25,000 $62.00 per month
$25,000 - Member + Spouse: $25,000 $120.00 per month

Enrollment in the NACD Advantage Membership is required to enroll in the Secure Membership Upgrade. Pricing indicated is monthly. Membership pricing is subject to change.

Cons

Pre-existing condition limitation affects the first 12 months of the policy.

Forms in PDF format for download

This insurance uses direct online enrollment; no paper application is provided. All available forms and enrollment materials can be found by following the quote and enrollment link above.

News

January 2, 2013 - The plan administrator reports that some members have run into unnecassary difficulties because they do not recognize the charge on their bank statements listed as "NACD Dues" in connection with their enrollment in this benefit. A member who does not recognize the ACH charge may instruct their bank to reject or deny the payment transaction. This causes all member benefits to be suspended until the payment problem is resolved. The problem can be avoided simply by notifying members that the charge will appear on their bank statements as "NACD Dues".


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.