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Axis Critical Illness $15,000

Critical Illness is supplemental insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery.

Benefit Covers: Cancer, Heart Attack, Renal Failure, Major Organ Transplant, Multiple Sclerosis Artery Bypass Surgery, Alzheimer's ALS, Terminal Illness.

Enrollment and Payment Info

  • Monthly recurring premium rates starting at $14.00.
  • Coverage for enrollment between the 1st - end of month, is effective on the first of the next month.
  • Enrollment in this product requires membership in DSWA.
  • Your first payment will be collected from your credit/debit card upon enrollment.
  • Future payments will be collected on the 25th of each month thereafter, after your effective date.

Product Details

Payable 10 conditions
  • Cancer
  • Heart Attack
  • Renal Failure
  • Major Organ Transplant
  • Multiple Sclerosis
  • Coronary Artery Bypass Surgery
  • Alzheimer's
  • ALS
  • Terminal Illness

Note: This is a general outline of covered benefits and does not include all the benefits, limitations and exclusions of the policy. See your certificate for details.


The insurance described provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

Limitations and Exclusions

For Critical Illness benefit on all plans:

  • Pre-Existing Condition 12 Month Treatment Period
  • Pre-Existing Condition 12 Month Limitation Period
  • State variations apply

Pre-Existing Condition Limitation
The Insurance Company will not pay Critical Illness Benefits for any Pre-existing Condition. A "Pre-existing Condition" means a disease or physical condition for which the Employee received medical treatment, during the treatment period shown above before his or her most recent effective date of insurance. The Pre-existing Condition Limitation will apply to any added benefits or increase in benefits. It will not apply after the Limitation Period shown above.

* Coverage may not be available in all U.S. states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on state laws.

In addition, Critical Illness Benefits will not be paid for:
  • The Insured Person's suicide or intentional self-inflicted injury or Sickness, while sane or insane;
  • The Insured Person's being under the influence of an excitant, depressant, hallucinogen, narcotic, and other drug, or intoxicant including those taken as prescribed by a Physician;
  • The Insured Person's commission of or attempt to commit an assault or felony;
  • The Insured Person's engaging in an illegal activity or occupation;
  • The Insured Person's voluntary participation in a riot,
  • Any illness, loss or condition specifically exclude from the definition of any Critical Illness;
  • A Critical Illness that was initially Diagnosed before the Coverage Effective Date;
  • War, whether declared or not;
  • Balloon angioplasty, laser relief of an obstruction, and/or other intra-arterial procedure unless covered under this Certificate; or
  • Any injury or Sickness covered under any state or federal Worker's Compensation, Employer's Liability law or similar law.

No Prescription Drug Benefits will be paid for:
  • All over-the-counter products and medications, including, but not limited to, electrolyte replacement, infant formulas, miscellaneous nutritional supplements and all other over-the-counter products and medications.
  • Blood glucose meters; insulin injecting devices.
  • Depo-Provera; condoms, contraceptive sponges, and spermicides; sexual dysfunction drugs.
  • Biologicals (including allergy tests); blood products; growth hormones; hemophiliac factors; MS injectables; immunizations; and all other injectables unless shown in the definition of Prescription Drug.
  • Medical supplies and durable medical equipment unless shown in the definition of Prescription Drug.
  • Liquid nutritional supplements; pediatric Legend Drug vitamins; prescribed versions of Vitamins A, D, K, B12, Folic Acid, and Niacin - used in treatment verses as a dietary supplement; and all other Legend Drug vitamins and nutritional supplements.
  • Anorexiants; any cosmetic drugs including, but not limited to, Renova and skin pigmentation preps; any drugs or products used for the treatment of baldness; and topical dental fluorides.
  • Refills in excess of that specified by the prescribing Doctor, or refills dispensed after one year from the original date of the prescription.
  • Any drug labeled "Caution - limited by Federal Law for Investigational Use' or experimental drugs.
  • All newly marketed pharmaceuticals or currently marketed pharmaceuticals with a new FDA approved indication for a period of one year from such FDA approval for its intended indication.
  • Drugs needed due to conditions caused, directly or indirectly, by an Insured Person taking part in a riot or other civil disorder; or the Insured Person taking part in the commission of a felony.
  • Drugs needed due to conditions caused, directly or indirectly, by declared or undeclared war or any act of war; or drugs dispensed to a Insured Person while on active duty service in any armed forces.
  • Any expenses related to the administration of any drug.
  • Drugs or medicines taken while in or administered by a Hospital or any other health care facility or office.
  • Drugs covered under Worker's Compensation, Medicare, Medicaid or other governmental program.
  • Drugs, medicines or products which are not medically necessary.
  • Diaphragms; erectile dysfunction Legend Drugs; and infertility Legend Drugs.
  • Epi-Pen, Epi-Pen Jr., Ana-Kit, Ana-Guard; Glucagon-auto injection; and Imitrex-auto injection.
  • Smoking deterrents, Legend or over-the-counter drugs.
  • Replacement of stolen medication (except under circumstances approved by us), or lost, spilled, broken or dropped Prescription Drugs.
  • Vacation supplies of Prescription Drugs (except under circumstances approved by us).

Insurance policies providing certain health insurance coverage issued or renewed on or after September 23, 2010 are required to comply with all applicable requirements of the Patient Protection and Affordable Care Act (PPACA). However, there are a number of insurance coverages that are specifically exempt from the requirements of PPACA (See $ 2791 of the Public Health Services Act). AXIS maintains that the Limited Accident and Sickness Plan presented In this brochure Is "fixed Indemnity insurance", and is therefore, exempt from the requirements of PPACA.