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CANCER & CRITICAL ILLNESS INSURANCE

FIRE AND EMERGENCY SERVICE ORGANIZATIONS THROUGHOUT TEXAS HAVE RELIED ON WORKERS' COMPENSATION & VFIS’ ACCIDENT AND SICKNESS PROGRAM TO COVER EMERGENCY SERVICES RELATED ACCIDENTS AND ILLNESSES INCLUDING HEART ATTACKS.

However, many heart and circulatory related claims may not be covered by Workers’ Compensation or Accident & Sickness policies. Coverage questions may arise because the heart condition manifested itself after the covered event, a treating or consulting physician determined the event did not cause the heart problem or for other reasons.

Cancer is another disease on the minds of individuals involved in emergency services. Many have no coverage under an Accident and Sickness program and limited, if any coverage, available through Workers’ Compensation.

With a Cancer / Critical Illness Policy, Texas' emergency service personnel can receive a lump sum cash benefit when diagnosed with a heart attack, stroke or life threatening cancer. Coverage is provided on a 24 hour on and off duty basis. Of course like all insurance policies, there are certain conditions of coverage.

​Please refer to your policy's benefits, limitations, and exclusions for complete information.