chasi

Healthy            
 Living         
 Benefits
GPF Services & Planning Corporation

 
 
 

Cancer
Heart Attack 
Stroke
Insurance

How does CHASI work?

Thirty days after suffering a:  - Heart Attack
   - Stroke
   - Diagnosis of Cancer *

A tax free sum of money is paid with no restrictions on how the money is spent.

(*Cancer is not covered in the first 90 days of a brand new policy)
 

 

Cancer
Heart Attack 
Stroke
Insurance

What to do with your large sum of tax-free cash…?

  • Provide an income while your spouse or partner takes time off work to care for you.

  • Pay off mortgage, other debts.

  • Go out of country for treatment rather than wait until local Health facilities are available.

  • Take a less stressful job.

  • Take a trip?--$35,000

  • Home renovations--$40,000 - 50,000
    - wheelchair ramps, lower light switches, raise plug-ins, widen doorways for wheelchairs, lower sinks and basins for wheelchair-bound person, handrails.

  • Motorized wheel chair--$8,000 - $10,000
    - wheelchair equipment $12,500 + van, $25,000 = $37,500

  • Therapeutic equipment.
    - personal dialysis machine $35,000

  • Services of caregivers.
    - nurses $240/8 hours
    - chauffeurs $50/hour
    - companions $100/8 hours

 

 

Cancer
Heart Attack 
Stroke
Insurance

 

chasi
“You don’t need life insurance because you are going to die.  You need Heart Attack, Cancer, Stroke Insurance because you are going to live.”
Dr. Marius Barnard

Medical Science…
has improved greatly in the last fifty (50) years so that most of those people who have a Cancer, Heart Attack or STROKE will SURVIVE THE INCIDENT.
They now need financial support for themselves and their families, as survival rates continue to improve.

  HEART ATTACK   CANCER   STROKE

  • 160,000 Heart Attacks in Canada in 2000.

  • 95% of heat Attack victims survive.

  • 75,000Canadians will contract heart disease this year. That is equal to the entire population of Red Deer.

  • More men suffer Heart Attacks than women.

  • Smokers have more Heart Attacks than non-smokers.

  • The average length of stay in hospital is 15 days.

  • An estimated 129,200 new cases of Cancer in 2000.

  • 62,700 deaths in Canada in 2000.

  • Every single day, one or more women in Calgary is diagnosed with breast cancer.

  • With Cancer, the patient does not die immediately, and there is usually a severe strain on the family finances.

  • 67% of costs for cancer treatment come from expenses not covered by Provincial Health Plans.
  • 50,000 people suffer a stroke each year.
  • 67.5% of stroke victims survive.
  • There are over 200,000 stroke survivors in Canada.

The probability of stroke increases…….

* With Health Factors
- high blood pressure
- diabetes
- family history
- prior stroke

* With Lifestyle
- smoking / obesity / stress

* With Age

 

Cancer
Heart Attack 
Stroke
Insurance
Cancer, Heart Attack, Stroke Insurance
 
In addition to the BIG THREE, which combined have so far accounted for approximately 95% of all claims in Canada, a number of other critical health conditions are also covered.

 

Alzheimer’s Disease
Blindness
Coma
Deafness
Kidney Failure
Loss of Speech
Major Organ Transplant
Occupational HIV Infection
Paralysis
Parkinson’s Disease
Severe Burns
Motor Neuron Disease
Loss of limbs
Multiple Sclerosis

 

 

Cancer
Heart Attack 
Stroke
Insurance

Major Causes of Death

1900   2000
Pneumonia 12% Heart Disease 45%
Tuberculosis 11% Cancer 26%
Enteritis 8% Stroke  9%
Stroke 6% Accidents 5%
Heart Attack 6% Chronic Pulmonary  3%

Life Expectancy

Year  Male Female
1900 42.0 years 46.0 years
1921 58.8 years 60.6 years
1951 66.4 years 70.9 years
2000 74.5 years 80.9 years



 

 

Cancer
Heart Attack 
Stroke
Insurance

….IS NOT
a replacement for Disability Insurance

  CHASI DISABILITY INSURANCE
1) Waiting Period
2) When Paid
3) How Paid
4) End of Benefit
5) Proof of Claim
6) Residual Disability
7) Continual Coverage
8) Off-sets Government Plans		 30 days
specific illness
lump sum
N/A
specific illness
full payment
no, one claim only
no		 usually 90 - 120 days
when you can not work
monthly income
return to work
when “unable to work”
reduced or no payment
yes, future disabilities
possibly, read contract


 

 

Cancer
Heart Attack 
Stroke
Insurance

Chances of Incurring a Critical Illness
Within the next 20 years, per 100 persons

 

Cancer
Heart Attack 
Stroke
Insurance

 How much do you think you might need?

You can have up to:

  

five times your income
PLUS
the value of your mortgage
EQUALS

YOUR TOTAL
(overall maximum of $1,000,000)

 

What if you do not claim…?

If you die without making a claim, all the premiums paid are refunded to your beneficiary or estate.

 

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