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24-hour coverage
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Coverage is portable
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Hospital Admission benefit paid if, due to an injury, the insured is admitted to a hospital within 30 days of the injury. This benefit is payable once for each accident
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Hospital Confinement benefit paid for each day the insured is continuously confined in a hospital
with no maximum number of days. The confinement must be due to an
injury and occur within 30 days of when the injury was sustained
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Intensive
Care benefit paid if the insured is confined in an Intensive Care unit
during a period for which benefits are payable for hospital confinement
for up to 30 days
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Ambulance
benefit paid if the insured is transported to a hospital within 48
hours of an injury by a licensed ambulance service. This benefit is
payable once for each accident
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Medical
Appliance benefit paid if, because of an injury and within 90 days of
the injury causing accident, the doctor prescribes the use of medical
appliance such as crutches, a wheelchair, leg braces or back braces. This benefit is payable only once for each accident.
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Concussion benefit paid if the insured is diagnosed by a doctor as having a concussion
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Within 72 hours of the accident and requires any type of medical imaging procedure. Payable once for each accident
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Emergency Room benefit paid if an injury requires treatment at an emergency care facility within 48 hours of the accident. Payable once for each accident
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Emergency
Follow-up Treatment benefit paid if an injury requires follow-up
treatment. Must be performed within 3 months of the covered Emergency
Room treatment
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Fracture
benefit paid for a fracture diagnosed by a doctor within 90 days of the
accident that caused the injury. Benefit amount is determined based on
the classification, Major or Minor. Minor means the breaking of the
nose, teeth, fingers, thumbs or toes. Major means the breaking of any
other bone of the body.
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Accidental
Death or Dismemberment (any accident) benefit paid if the insured
sustains an injury due to an accident and causes the loss of life, sight
or limbs. The loss must occur within 180 days from the date of the
accident, which caused the injury. Note: Only one benefit amount per
injury, either Accident Death–Common Carrier
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Accidental Death or Dismemberment–Any Accident, whichever is greater, will be paid for each covered person.
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Blood
and Blood Plasma benefit paid once for each accident if the resulting
injury requires a transfusion, administration, cross matching, and
processing of blood, plasma or platelets.
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Family
Lodging Benefit paid if, due to an injury, the insured requires
treatment at a hospital located more than 100 miles from home. This
benefit is payable for hotel/motel stays by a family member who
accompanies the insured during the time the insured is confined to a
hospital
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Health
Screening benefit paid once a year for health screen tests or
procedures. This includes chest x-ray, bone marrow testing, mammography,
breast ultrasound, PAP smear, PSA, and others. The benefit is payable
only after the policy is in force for at least 90 days.
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Transportation
benefit paid if the insured must travel 100 miles or more to receive
treatment for an injury. Treatment must be 1) prescribed by a physician,
2) received confined in a hospital and 3) is not available locally.
This benefit is not payable for ground or air ambulance transportation.
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Health Screening (wellness) Benefit paid once a year per policy (after policy is in force for 90 days) for routine medical tests
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Optional sickness rider (Form 12400) available is most states*
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Two plans available: benefits equal to the accident benefits or benefits equal to ˝ the accident benefits
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Health screening benefit, fracture benefit, medical appliance benefit, concussion benefit and physical therapy benefit not paid for sickness.
