Accident Insurance
With Accident insurance, you'll receive a lump-sum payment for a covered injury and related services. You can use the payment in any way you choose – from expenses not covered by your major medical plan to day-to-day costs of living such as the mortgage or your utility bills.
Plan Summary
Highlights
Coverage is Guaranteed
Guarantee issue means that you can elect coverage without having your current or past medical history taken into account nor will you have to submit an Evidence of Insurability form. Please refer to your policy for more information.
Includes a Wellness Benefit
Wellness Benefit is a yearly benefit you and your covered family members can receive by having a wellness exam. Please refer to your policy for more information.
Portability
Portability allows you to continue your coverage without going through Evidence of Insurability.
Why Accident Insurance?
Example – For Illustrative Purposes Only
Accident Insurance Example
Ground Ambulance
$150
Emergency Treatment
$300
Diagnostic Exam (MRI)
$200
Abdominal Surgery
$1,500
Follow-Up Office Visit (up to 6 visits)
$75
Hospital Admission
$1,000
Hospital Confinement
$1,200
Physical Therapy ($38 per session x 6)
$228
Shoulder Dislocation
$450
Total Benefit Paid to Jacob
$5,103
- Jacob is in an auto accident suffering severe internal injuries and a shoulder dislocation.
- He is taken by ambulance to the emergency room.
- An MRI is performed, followed by abdominal surgery.
- He is released from the hospital after 4 days and begins physical therapy for his shoulder.
Value Added Benefits
Travel Assistance
Wellness Benefit
File a Claim
How to file a claim
Frequently Asked Questions
Why do I need Accident Insurance if I have medical insurance?
It compliments your medical coverage which helps you to pay for expenses that can occur with an unexpected accident such as x-rays, ambulance services, and deductibles.
Does this replace my major medical insurance?
No. Accident Insurance is not a substitute for medical insurance. Accident Insurance is designed to help offset unexpected medical expenses due to a covered accident.
What does Accident Insurance cover?
Accident insurance provides benefits for covered accidental injuries, related services and treatments. Examples include: Diagnostic exams, x-rays and other emergency services, Initial and follow-up physician visits, Ambulance transportation, Hospital admission and confinement.
Refer to your highlight sheet and/or certificate of insurance for actual benefit coverage.