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Accident Insurance Details

  • 24-hour coverage

  • Coverage is portable

  • 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

  • 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

  • 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

  • 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

  • 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.

  • Concussion benefit paid if the insured is diagnosed by a doctor as having a concussion

  • Within 72 hours of the accident and requires any type of medical imaging procedure. Payable once for each accident

  • 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

  • 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

  • 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.

  • 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

  • Accidental Death or Dismemberment–Any Accident, whichever is greater, will be paid for each covered person.

  • 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.

  • 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

  • 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.

  • 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.

  • Health Screening (wellness) Benefit paid once a year per policy (after policy is in force for 90 days) for routine medical tests

  • Optional sickness rider (Form 12400) available is most states*

  • Two plans available: benefits equal to the accident benefits or benefits equal to ˝ the accident benefits

  • Health screening benefit, fracture benefit, medical appliance benefit, concussion benefit and physical therapy benefit not paid for sickness.


Eligibility

Issue Ages 18 – 64 (children 11 days to 18 years)


Premium Structure

  • Rates are unisex and unismoker

  • Accident coverage: one rate for all ages



 
   
 
 

 

 

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