Guaranteed Standard Issue

VitalCheque will be able to provide Critical Illness protection to many who would otherwise be rated, declined or have exclusions based on their family medical history or other factors.  No personal health statements required from the group members. 

No Pre-existing* Conditions

VitalCheque is the only Group Critical Illness Insurance (GCII) plan available in the market place that removes the 24 month/ 24 months Pre-existing Medical Condition Provision for large groups of *300 or more lives.

Best Definitions

VitalCheque’s definitions of the covered conditions have set a new benchmark.  They are the best in the industry for being the most precise, both medically and legally. 

Comprehensive Coverage

The VitalCheque Enhanced plan has the broadest protection available in the market, with thirty one covered events.

Stand Alone Plan

VitalCheque is available on a stand alone basis allowing the flexibility to enhance existing benefit packages.  This allows for the other core benefit to be changed from time to time without disruption of the GCII coverage for the plan members.

Affordable Premiums

VitalCheque rates are affordable and are very competitive in the market place.  One blended rate, across all ages and both sexes. There is no difference in the premium rates between smoker and non-smokers. 

Few Restrictive Conditions

VitalCheque offers the very best coverages, options, flexibility with no unusual and few restrictive conditions.

Over Age 65 Enrollment

The workforce age is increasing, and VitalCheque is the only plan that allows for enrolment on employees over the age of 65, some of them might be Key People in the organization.

Conversion Allowed

VitalCheque provides a convertibility provision for the True Group plans. These features are extremely attractive because an employee can be assured their coverage will remain in force if they change jobs, regardless of any changes in their health.

Optional Coverage Available

Optional additional coverage is available for VitalCheque group members and their spouse.

Tax Advantages

Tax deductible business expense for the employer.   For the employee, the employee benefit is not taxable and a claim benefit is paid tax free.