Accident Benefits

 

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What is Accident Insurance?

Accident Insurance helps protect you and your family from the financial challenges that can come from an accident. This coverage pays benefits directly to you for injuries, like cuts, broken bones, concussions and related expenses. Benefit proceeds can be used however you want, from your mortgage to medical bills, student loans or daycare; it’s completely up to you.

All Accident Plans Include

5

Emergency & Initial Accident Treatments

Ambulance, ER, Urgent Care, Major Diagnostic Imaging, & X-Rays.

5

Hospital Benefits

Hospital admission/confinement, intensive care and observation unit.

5

Specific Injury Benefit

Fractures, dislocations, lacerations, burns, skin graft, concussion and other brain injuries, dental and eye injury.

5

Surgery Benefits

Outpatient surgery, internal injuries, tendon/ligament/rotator cuff surgery, torn knee cartilage, ruptured disc with surgical repair.

5

Medical Benefits

Blood, plasma and platelets, prosthetic device, pain management and precription drug.

5

Accidental Dismemberment Benefits

Dismemberment and partial dismemberment.  

5

Follow-Up Care and Transportation Benefits

Physician office, post-traumatic stress disorder, therapy services, rehabilitation unit confinement, home health care, skilled nursing facility, private duty nurse, transportation and lodging.

5

Accidental Death

Accidental death, common carrier accidental death, and organ donor benefit.

5

Catastrophic Benefits

Catastrophic loss, coma, and paralysis.

Benefits to Accident Insurance

 

Benefits get paid directly to you

No underwriting - no medical questions to answer

Cost is determined by the benefits you select

You choose how to spend the money

Plans For Every Need

ACCIDENT PLAN BENEFITSPLAN
ACCIDENTAL DEATH BENEFITS
Accidental Death (EE/%SP/%CH)
Member$40,000
Spouse$20,000
Child(ren)$20,000
Common Carrier Accidental Death
Member$80,000
Spouse$40,000
Child(ren)$40,000
Organ Donor Benefit$5,000
ACCIDENTAL DISMEMBERMENT BENEFITS
Dismemberment (EE/SP/CH)
Loss of Both Hands; OR Loss of Both Feet; OR Loss of One Hand and One Foot$20,000
Loss of One Hand; OR Loss of One Foot$10,000
Partial Dismemberment
Loss of One or More Fingers or Toes$450
Partial Amputation of Finger or Toe$150
CATASTROPHIC BENEFITS
Catastrophic Loss
Loss of Sight in both eyes or Hearing in both ears$15,000
Loss of Speech or Sight in one eye or Hearing in one ear$3,750
Coma$15,000
Paralysis
Paraplegia$12,500
Quadriplegia$25,000
EMERGENCY AND INITIAL ACCIDENT TREATMENT BENEFITS
Ambulance
Ground$150
Air$750
Water$750
Emergency Room Treatment$150
Urgent Care$75
Major Diagnostic Imaging$150
X-ray$50
HOSPITAL BENEFITS
Hospital Admission$1,000
Daily Hospital Confinement$150
Maximum number of days365
Intensive Care Admission$2,000
ICU Daily Confinement$300
Maximum number of days365
Observation Unit$150
SPECIFIC INJURY BENEFIT
Fractures
Closed/Non-Surgical Treatment
Skull (except Bones of Face or Nose) Depressed$2,500
Hip, Thigh (Femur)$2,500
Vertebrae, Body of (excluding Vertebral Process)$2,500
Pelvis$2,500
Leg (Tibia and/or Fibula)$2,500
Upper Arm (Humerus)$2,000
Shoulder Blade$2,000
Collarbone$2,000
Upper Jaw, Maxilla (except Alveolar Process)$1,500
Lower Jaw, Mandible (except Alveolar Process)$1,500
Vertebral Process$1,000
Forearm (Ulna and/or Radius)$1,000
Hand, Wrist (except Fingers)$1,000
Kneecap$1,000
Foot (except Toes)$1,000
Ankle$1,000
Rib$250
Coccyx$250
Finger, Toe$250
Enhancement for Open/Surgical Reduction2x
Chip Fractures25%
Dislocations
Closed/Non-Surgical Treatment
Hip$2,000
Knee (other than Kneecap)$1,500
Shoulder$1,500
Kneecap$750
Ankle bone or bones of the foot$750
Elbow$750
Wrist$750
Bone or bones of the hand$750
Jawbone$750
Collarbone$750
One toe or finger$250
Enhancement for Open/Surgical Reduction2x
Partial Dislocations25%
Lacerations
No Repair$60
Repair - up to 2 inches$60
Repair - over 2 inches, up to 6 inches$150
Repair - over 6 inches$300
Burns
2nd Degree Burns
At least 1%, but less than 20% of skin surface$250
20% or greater of skin surface 3rd Degree Burns$750
Less than 5% of skin surface$750
At least 5%, but less than 20% of skin surface$3,000
20% or greater of skin surface$9,000
Skin Graft
Due to Burns (% of applicable Burn benefit)25%
Not due to Burns
At least 1%, but less than 20% of skin surface$150
20% or greater of skin surface$300
Concussion and Other Brain Injuries$150
Dental Benefit$350
Eye Injury Benefit$200
SURGERY BENEFITS
Outpatient Surgery Benefit
Facilities other than Physician Office or Emergency Room$300
Physician Office or Emergency Room$150
Internal Injuries Surgical Benefits
Open Abdominal & Thoracic$1,000
Hernia$150
Exploratory without Repair$125
Tendon/Ligament/Rotator Cuff Surgical Benefit
Single$550
Multiple$825
Exploratory without Repair$275
Torn Knee Cartilage Surgery Benefit
Torn with Surgical Repair$475
Exploratory without Repair$150
Diagnosis only with no surgery or repair$75
Ruptured Disc with Surgical Repair$475
MEDICAL BENEFITS
Blood, Plasma & Platelets Benefit$400
Prosthetic Device Benefit
Two or more$1,200
Appliances$125
Pain Management Benefit$75
Prescription Drug Benefit$20
maximum number of payments5
FOLLOW-UP CARE AND TRANSPORTATION BENEFITS
Physician Office Visit$75
maximum number of visits4
Post-Traumatic Stress Disorder Benefit$75
maximum number of visits8
Therapy Services (Occupational, Physical, Speech)$30
maximum number of visits12
Chiropractor and Alternate Therapy$60
maximum number of visits8
Rehabilitation Unit Confinement$100
maximum number of days90
Home Health Care$75
maximum number of visits30
Skilled Nursing Facility$275
maximum number of days30
Private Duty Nursing$100
maximum number of visits6
Residence/Vehicle Modification Benefit$2,500
Transportation (per mile, minimum of 100 miles)$0.30
Lodging$150
maximum number of days30
RIDERS
Health Screening Benefit (1 test per insured per year)$50

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