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Supplemental Insurance

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    AIG Direct Insurance Services
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Supplemental Insurance – Accidental Injury Insurance

Reduce out-of-pocket health care expenses with supplemental insurance.


Supplemental insurance, such as our accidental injury insurance, Accident Expense Plus®, is becoming more and more popular as people opt for lower premium medical insurance with higher deductibles and co-pays. See how some are using the supplemental insurance product, Accident Expense Plus®, and explore related products by contacting our insurance professionals to walk you through it at 888-543-3371 or visit us online.
 
Did you know? 
  • About one out of every nine Americans seeks medical attention for an injury each year.¹
  • More than 26 million people are treated in hospital emergency rooms for injuries annually.²
  • In 2010, approximately 49.2 million visits to physician offices were due to unintentional injuries.²
 
A Leap into Self-Employment 
Leaving the corporate world to start her own graphic design business was a big step for Maria. One of her biggest concerns was medical insurance. Could she find affordable coverage?

Maria purchased a major medical plan with a low premium but high deductible of $5,000.3 To help cover her high deductible and coinsurance costs, she purchased a supplemental insurance plan, Accident Expense Plus®. She opted for the $7,000 per-calendar-year accident benefit with a $250 deductible.

Three months later, Maria fell and broke her leg in two places. Her injury required an emergency room visit, surgery to reset the bone, three months in a cast and six weeks of physical therapy. The medical bills could have derailed her business plans, but because Maria had an Accident Expense Plus® policy, her only expense was the $250 deductible. Broken leg or not, Maria kept marching steadily toward her goals.

Out-of-Network Specialist is an Affordable Part of the Team 
John and Samantha were proud parents. Their son Jack was an outstanding student who was also becoming a highly-recruited basketball star. When he fractured his wrist in the playoffs, the family's doctor referred him to a specialist outside their major medical carrier's network.3 Thanks to the family's Accident Expense Plus® supplemental insurance policy, John and Samantha were promptly reimbursed for their out-of-network expenses and received additional benefits for the treatment and physical therapy. Jack made a full recovery and was back on the court the following season. His bank shot and his parents' bank accounts were as strong as ever.



1National Safety Council, Injury Facts – 2010 Edition. Not all injuries would result in benefit payments.
2 National Safety Council, Injury Facts – 2011 Edition. Not all injuries would result in benefit payments.
3 Not an actual case and is a hypothetical representation for illustrative purposes only.

Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy Form Numbers 07120; 07120N; Rider Form 07121. Important note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. There will be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.     



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