Accident

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Accident Insurance Quote Request

The benefits provided by this Rider are paid in addition to the Medical expenses paid under the base plan and is only available in conjunction with the 2 unit base plan.

• Total Combined Inpatient and Outpatient Medical Expense Benefit - Maximum: $26,000
• Outpatient Medical Expense Benefit - Maximum: $2,000

If as the result of Accidental Bodily Injury, an Insured requires medical treatment, the Company will pay the actual charges incurred for Inpatient and Outpatient Medical Expenses not to exceed either of the Maximums shown above. The benefits are limited to 2 accidents per Insured per Calendar Year. CLICK HERE to view the Accident Brochure. 

Plan Features

• 1 or 2 units of coverage is available
• Issue ages 0-75
• 1 unit is available for Ages 65 and older
• Guaranteed renewable to age 80
• $50,000 or $100,000 Accidental Death Benefit
• Pays in addition to any other insurance
• Optional Accident Disability Income Benefit for the Primary Insured
• Individual, Individual & Spouse, Single Parent, Family, and Children Only plans are available
• Optional Medical Expense Benefit Rider is available in conjunction with 2 units of the base plan.
• The rider pays “in addition” to the base plan $24,000 of Inpatient medical expenses and $2,000 of Outpatient medical expenses.

ACCIDENTAL INJURY BENEFIT

This benefit pays the actual charges for medical treatment due to accidental injury up to the amount shown per unit. Covered expenses include physician’s fees, surgery, x-rays, fracture reduction and dislocations or other emergency first-aidexpenses. All covered expenses must be incurred within 45 days of the accident causing injury. If the expenses are incurred at a hospital emergency room, a $50 deductible will apply for each accidental injury.

ACCIDENTAL DEATH BENEFIT

This benefit pays a fixed amount per unit if an insured suffers a fatality as a result of an accident.

GROUND OR AIR AMBULANCE

This benefit pays the actual charges for ground or air ambulance transportation due to an accidental injury, up to the amount shown per unit.

HOSPITAL INCOME BENEFIT

If an insured is hospitalized for an accidental injury, we will pay a fixed amount per day, beginning the first day of confinement, subject to the number of units purchased. Payment will be made up to 30 days per hospital confinement resulting from any one accidental injury.

DISMEMBERMENT BENEFITS

This benefit pays a fixed amount per unit if the Primary Insured suffers any of the following dismemberment as a result of accidental injury. Benefits are for the Primary Insured only.

Effective Date

The insurance applied for shall not take effect until your application is approved, the policy is issued, and the required premium has been paid.

ACCIDENT PLANS - STAND ALONE

If the application is received in the Home Office on or before the 15th of the month, the effective date of the policy will be the 1st of the following month. If the application is received in the Home Office after the 15th of the month, the effective date of the policy will be the 15th of the following month, subject to underwriting approval.

ACCIDENT PLANS - WITH OTHER COVERAGE

If the application for Accident Coverage is sold in combination with other coverage, we will use the effective date of the other coverage subject to underwriting approval.