Cancer, stroke, heart disease and other critical illnesses may wipe out life savings, preventing you from realising your family's dreams. Procare helps you to be in control by protecting you financially.
Some things are scarier than cancer… like not being able to afford the treatment you need to fight for your life! Remember, a single bout with a critical illness can wipe out your entire life-savings, while traumatizing those closest to you—your spouse, children and even your business partner. But that doesn’t have to be your reality should you fall victim to such misfortune. You can’t prevent a critical illness but you can prepare for it with ProCare, which now offers coverage of up to $5M for nine major conditions such as cancer, heart attack and stroke. ProCare could be the difference between life and debt. Get protected today by calling 1-888-MY-NEEDS (69-63337). Here’s to your health!
is a critical illness insurance plan designed to provide protection when you need it most. Surviving critical illness these days is not uncommon but it can and will turn your life upside down. It usually strikes without warning and can affect you physically, emotionally and financially. It also affects those closest to you, spouse, family, a business partner. ProCare provides you with financial benefits while you are alive to help maintain your quality of life and independence after the onset of critical illness.
Critical Illness Benefit PROCARE provides a lump sum settlement of up to $5 million upon the first diagnosis for any of the following conditions:
This benefit can help ease the financial burden by paying off debt or where necessary, to alter your home to facilitate medical upgrades e.g. a wheelchair ramp. The lump sum is based on the coverage purchased on the Policy Date – the Basic Sum insured. The minimum coverage that an individual may receive is $1,000,000.
A one-time benefit, to a maximum of $7,000 will be paid if an ambulance is used at the time of first diagnosis of the covered critical condition.
A death benefit is paid if/when the insured dies without receiving critical illness benefit. The death benefit is 100% of basic premiums.
In the absence of a claim, at the expiry date of the policy the life insured is paid a “No Claim” benefit, which is 100% of basic premiums.
All premiums are payable in Jamaican dollars and can be paid monthly, quarterly, semi-annually or annually. The premiums are based on coverage selected, age and gender of the life insured.
Policy owners must be at least 18 years on their last birthday while the life insured must be between 18-60 years.
The Owner and the life insured can be the same person or two different people but there must be an insurable interest in the relationship between them. For example:
For more information see our Frequently Asked Questions, visit any Insurance Advisor at any NCB Branch islandwide or call 1-888-MY NEEDS(69-63337)