Enjoy 24/7 accident protection - on or off the job.
Accidents can happen anytime, anywhere. Major medical insurance pays many of the doctor and hospital bills – but there are likely to be many other medical and non-medical expenses that you must pay yourself. Even if you have an emergency cash fund, chances are it may not be enough.
† Unless you assign payable claims to a third party
Exclusions and Limitations
This is an Accident Only policy. Benefits will not be payable if an injury is directly caused by, or results from, any sickness or infection* not as a result of the covered accident, or occurs as a result of a covered person’s:
* “Infection” is not applicable in IL
** Not applicable in OR, NV, VT, MI, SD; “Alcoholism or drug addiction” in ID, OK, and WA
*** Not applicable in NJ; In ID, participating in a felony, riot, or insurrection
† In MO, while sane
1 National Safety Council, Injury Facts, 2016 edition.
2 National Center for Health Statistics. Health, United States, 2015.
3 Agency for Healthcare Research and Quality, Healthcare Cost and Utilization Project, 2012.
4 The Commonwealth Fund, Tracking Trends in Health Performance, 2014.
The policy is guaranteed renewable for life, but the company reserves the right to increase premium rates on a class basis.
†† In TN, “except for Emergency Dental, as defined in this policy, within 60 days of the Covered Accident”
Note: Hospital is an institution in the U.S. or Canada and does not include a nursing home or convalescent facility.
All benefits are payable once per a covered person, per a covered accident, unless otherwise indicated.
Benefits |
Standard |
Choice |
Preferred |
Benefits Limits |
Hospital Admission |
$1,000 |
$1,000 |
$1,250 |
|
Hospital Confinement |
$200 |
$275 |
$375 |
Per day/Maximum 365 days |
ICU Admission |
$2,000 |
$2,000 |
$2,500 |
|
ICU Confinement |
$400 |
$550 |
$750 |
Per day/Maximum 30 days* |
Rehabilitation Admission |
$1,000 |
$1,000 |
$1,250 |
|
Rehabilitation Confinement |
$120 |
$165 |
$225 |
Per day/Maximum 30 days |
Outpatient Surgical Facility |
$200 |
$200 |
$300 |
|
Recovery Benefit |
$35 |
$50 |
$100 |
Per day/Maximum 7 days |
Emergency Room |
$75 |
$100 |
$150 |
|
Initial Doctor’s Office Visit |
$50 |
$75 |
$125 |
|
Follow-up, Physical & Occupational Therapy |
$20 |
$25 |
$50 |
Per day/Maximum 3 days |
Urgent Care |
$50 |
$75 |
$125 |
|
X-Ray |
$15 |
$20 |
$40 |
|
Diagnostic exams (CT, MRI, etc.) |
$75 |
$100 |
$200 |
|
Air Ambulance |
$750 |
$1,000 |
$2,000 |
|
Ground Ambulance |
$100 |
$120 |
$200 |
|
Appliances |
$50 |
$75 |
$100 |
|
Blood, Plasma, Platelets |
$150 |
$200 |
$300 |
|
Burns*** |
$600–$6,000 |
$750–$7,500 |
$1,000–$10,000 |
|
Coma Injury |
$6,000 |
$7,500 |
$12,500 |
|
Concussion |
$50 |
$60 |
$100 |
|
Emergency Dental Work*** |
$40–$160 |
$50–$200 |
$100–$400 |
|
Eye Injury |
$150 |
$200 |
$300 |
|
Herniated Disc |
$300 |
$400 |
$750 |
|
Internal Organ Loss |
$2,000 |
$2,500 |
$2,500 |
|
Knee Cartilage Torn (repair) |
$300 |
$400 |
$750 |
|
Lacerations*** |
$15–$250 |
$20–$300 |
$30–$500 |
|
Lodging (per night) |
$75 |
$100 |
$150 |
Maximum 30 nights |
Loss of Finger, Toe, Hand, Foot or Sight*** |
$450–$7,500 |
$600–$10,000 |
$1,000–$20,000 |
|
Prosthetic Device or Artificial Limb |
$250 |
$500 |
$1,500 |
One prosthetic device or artificial limb |
Prosthetic Device or Artificial Limb |
$500 |
$1,000 |
$3,000 |
More than one prosthetic device or artificial limb |
Skin Graft |
25%† |
25%† |
25%† |
|
Surgery (abdomen/thoracic only) |
$550 |
$750 |
$1,500 |
|
Tendon, Ligament, Rotator Cuff |
$250 |
$400 |
$750 |
One repair |
Tendon, Ligament, Rotator Cuff |
$450 |
$600 |
$1,125 |
Multiple repairs |
Transportation |
$200 |
$300 |
$600 |
|
Fractures & Dislocations*** |
$30–$750 |
$50–$1,000 |
$200–$2,000 |
|
Sports Package |
25%** |
25%** |
25%** |
Up to $1,000 per year |
AD&D (primary, spouse, child) |
$20,000 |
$30,000 |
$50,000 |
Per person |
*Maximum 31 days in UT
**Additional benefit of 25% of benefit amount paid for the Covered Accident if injury is sustained while participating in Organized Sports Activity.
***Benefit payable varies depending on the nature and severity of injury and/or treatment received.
† 25% of applicable Burn Benefit Amount
PLEASE CONTACT YOUR AGENT
IMPORTANT NOTICE This is a supplement to health insurance and is not a substitute for Major Medical Coverage. Lack of Major Medical Coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
THIS IS VERY IMPORTANT: If a covered individual is a Medicaid recipient, policy benefits may be assigned and payable to your state Medicaid agency. Also, benefit payments you receive may count as income for Medicaid eligibility purposes.
This is a brief description of policy benefits for accident ONLY policy Form No. series 14150R. See the actual policy for complete details of the policy plans, features, benefits, options, rates, definitions, limitations, and exclusions. Products vary by state and are subject to availability and qualifications. The amount of benefits provided depend on the plan selected and the premium will vary with the benefit amount selected.