1 Table of contents 81

Group Critical Illness Insurance Certificate

SCHEDULE OF BENEFITS		6
SCHEDULE OF BENEFITS FOR CLASS 1		7
DESCRIPTION OF COVERAGES AND BENEFITS		12
GENERAL DEFINITIONS		14
ELIGIBILITY		24
ENROLLMENT		25
EFFECTIVE DATE PROVISIONS		25
DEFERRED EFFECTIVE DATE PROVISIONS		26
TAKEOVER PROVISION		27
TERMINATION OF INSURANCE		28
CONTINUATION OF COVERAGE PROVISIONS		28
PORTABILITY PROVISIONS		29
EXCLUSIONS		30
CLAIM PROVISIONS		31
ADMINISTRATIVE PROVISIONS		33
GENERAL PROVISIONS		34
WELLNESS TREATMENT, HEALTH SCREENING TEST AND PREVENTIVE CARE BENEFIT RIDER		36
HOSPITAL BENEFIT RIDER - PANDEMIC INFECTIOUS DISEASE ADMISSION ONLY BENEFIT		38
MODIFYING PROVISIONS AMENDMENT		40

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