Accident Expense PlusSM
The intelligent, affordable way to complete your health insurance program
Imagine a financial tool that:
· Helps cover deductibles, co-pays and other expenses not covered by your primary major medical plan.
· Pays medical benefits to you regardless of other coverage you have.
· Rapidly reimburses you for a wide variety of medical expenses related to accidents.
· Provides lump sum payouts if you're diagnosed with any of three major critical illnesses.
That's Accident Expense PlusSM—an economical and intelligent way to protect your family from today's high health care costs. Accident Expense Plus provides benefits for a wide range of accident-related costs, from emergency room visits to physical therapy to diagnostic exams even surgery. The "plus" is an optional Critical Illness Rider that can pay a lump sum benefit if you're diagnosed with invasive cancer, heart attack or stroke.
To cope with skyrocketing medical costs, more and more employers and individuals are choosing major medical insurance policies that have increased deductibles and co-pays. While these plans often make health insurance premiums more affordable, they also shift responsibility for a large portion of health care costs to you.
Accident Expense Plus is perfect for individuals and families who would like to experience fewer out-of-pocket medical expenses in the case of an accident or critical illness.
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Flexible Policy Options
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Accident Expense Plus allows you to choose deductible amounts ranging from $0 to $500. And calendar year benefit maximums in increments of $1,000 up to $15,000. Annual benefits for Critical Illness Rider are $5,000, $10,000 $15,000, $20,000 or $25,000. Accident Expense Plus gives you the power to tailor your benefits to your budget and your individual needs.
Policy Highlights
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·Deductible (the amount of covered medical costs you're responsible for paying): Four options: $0, $100, $250, or $500 annual deductible
·Benefit Amounts (per calendar year): $1,000 to $15,000 in $1,000 increments
·Covered Expenses: Emergency room, hospital charges, surgery, physician charges, physical therapy, urgent care center, ambulance, major diagnostic exams, x-rays, prosthesis, drugs administered in a hospital or urgent care center
·Family Coverage Options: Spouse and/or children may be included in the policy
·How to Qualify: Are you between age 18 and 64? If so, you qualify. No questions asked.
·Coordination of Benefits: This plan does not coordinate with other health insurance coverage. Benefits are paid in addition to those received from other health insurance policies.
·Benefit Amounts (per calendar year): $1,000 to $15,000 in $1,000 increments
·Covered Expenses: Emergency room, hospital charges, surgery, physician charges, physical therapy, urgent care center, ambulance, major diagnostic exams, x-rays, prosthesis, drugs administered in a hospital or urgent care center
·Family Coverage Options: Spouse and/or children may be included in the policy
·How to Qualify: Are you between age 18 and 64? If so, you qualify. No questions asked.
·Coordination of Benefits: This plan does not coordinate with other health insurance coverage. Benefits are paid in addition to those received from other health insurance policies.
Rider Benefits*
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·Deductible: None. If you're diagnosed with a covered critical illness after the waiting period, you receive a lump sum benefit. It's that simple.
·Covered Critical Illnesses: Heart attack, stroke, invasive cancer
·Benefit Amounts (one-time pay out): $5,000, $10,000, $15,000, $20,000, or $25,000
·Family Coverage Options: Spouse and children may be included in the rider
·How to Qualify for Coverage: Three simple questions on the application
·Coordination of Benefits: This plan does not coordinate with other insurance coverage. Benefits are paid in addition to those received from other health insurance policies.
Exclusions
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All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. We will pay no benefits under the policy that are not related to a covered accident or covered critical illness that result from exclusions contained in the policy. For complete details of the coverage and the list of exclusions, contact your insurance agent. Not all benefits and exclusions are covered in every state. Please consult the policy form and outline of coverage for details. There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.