A cancer diagnosis brings costs your health plan doesn’t cover — travel to treatment, time off work, lodging, and everyday bills. Vida members can enroll in a Limited Benefit Cancer Expense Policy that pays cash benefits directly to you, in addition to any other insurance you have, to help cover them.
Underwritten by Loyal American Life Insurance Company, a Cigna company
What the policy pays
- $10,000 First Occurrence benefit at the first positive diagnosis of internal cancer ($15,000 for a child under 21), once per lifetime
- $20,000 per calendar year for radiation, chemotherapy, immunotherapy, hormonal, or experimental treatment
- $500 per day of hospital confinement for the first 30 days, $1,000 per day from day 31 — doubled for a dependent child under 21
- Up to $6,000 per surgical procedure, plus anesthesia, breast reconstruction, and skin-cancer surgery benefits
- $125 per year for cancer screening tests (mammogram, colonoscopy, PSA, pap smear, and more), plus $250 for a follow-up diagnostic procedure after an abnormal result
- Base-policy benefits for transportation, lodging, ambulance, blood, prosthesis, home health care, hospice, private nursing, and more
- Optional Hospital Intensive Care Unit rider: $900 per day for any covered sickness or injury — $1,800 per day for cancer or a travel-related injury, $450 per day in a step-down unit — up to 45 days per confinement
Guaranteed renewable for life. Premiums cannot be raised because of your age, your claims, or a change in your health. The family plan covers you, your spouse, and unmarried dependent children living at home up to age 25. Coverage begins after a 30-day waiting period, and pre-existing conditions are not covered during the first two years. Applicants must have comprehensive health coverage or an HMO; the plan is not for anyone eligible for Medicaid.
Premier plan monthly rates, California
| Coverage | Cancer policy | With the $900 ICU rider |
|---|---|---|
| Individual | $48.11 | $52.38 |
| Single parent | $54.91 | $60.77 |
| Individual + spouse | $77.36 | $85.43 |
| Family | $77.36 | $85.43 |
How to enroll
Download the application below, then bring it to the Ontario branch or call Member Services at (909) 983-1959 to set up monthly electronic payment from your Vida account.
Plan documents- Cancer Policy Brochure (form L-6040)
- Additional Benefits & California Rates Insert
- Cancer Plan Presentation
- Application (form L-6049-CA, fillable)
Questions members ask
Is the cancer policy health insurance?
No. It is a cancer-only supplemental policy that pays cash benefits directly to you on top of your health insurance. You must already have comprehensive health coverage or an HMO to apply.
Who can enroll in the cancer plan?
Vida members ages 18–64 at issue, individually or with a spouse and dependent children. Coverage begins after a 30-day waiting period, and cancer diagnosed or treated in the five years before your effective date is not covered during the first two years.
How do I pay the premium?
By monthly electronic payment from your Vida account. The rates shown are California EFT rates; Member Services confirms your premium when you enroll.
Is this federally insured?
No. Your Vida deposits are federally insured by the NCUA up to $250,000 per owner. Insurance products are offered through third parties and are not deposits, not NCUA insured, and not guaranteed by Vida.
THIS IS A CANCER ONLY POLICY, which should be used to supplement your existing health care protection. THESE ARE CANCER ONLY RIDERS. The Hospital Intensive Care Unit rider is a limited rider available only with the cancer policy.
Insurance coverage is provided by form number series L-6040 and associated riders. This advertisement highlights some features of the policy and riders, but is not the insurance contract. An issued policy and riders set forth, in detail, the rights and obligations of both the insured and the insurance company. Please read the policy and riders for detailed coverage information.
Underwritten by Loyal American Life Insurance Company, P.O. Box 1604, Duncan, OK 73534 · 1-800-366-8354. Insurance products are not deposits, are not obligations of or guaranteed by Vida Federal Credit Union, and are not insured by the NCUA or any federal government agency.
