Accident Insurance
Accidents happen. Have peace of mind knowing you are covered.
Sole Proprietorship & Health Insurance
Benefits otherwise provided by this Policy will not be payable for services or expenses or any such Loss resulting from or in connection with:
sickness, illness or bodily infirmity;
Injury, whether sane or insane;
natural teeth;
participating in a riot or felony;
travel or flight in any aircraft or device which can fly above the earth’s surface in any capacity other than as a fare paying passenger on a regularly scheduled airline;
hernia
Benefits and availability may vary by state. For more information about policy/plan benefits and limitations, please refer to the outline of coverage or policy as approved in your state.
Uninsurable Occupations & Activities
Quarry Workers
Migrant Workers
Oil Field Workers
Taxi Drivers
Firemen
Entertainers
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.
Injury Facts*
In 2016, unintentional injuries or accidents were the third leading cause of death accounting for an estimated 146,571 deaths.
- Number of injury-related visits: 39.0 million
- Number of visits per 100 persons: 43.3
- ER visits resulting in hospital admission: 12.3 million
- ER visits resulting in admission to a critical care unit: 1.5 million
* 2016 Center for Disease Control and Prevention.
You can’t plan on them, but you can plan for them.
1. Accidents at Work
Depending on your job, your workplace can be a dangerous place, filled with hazards all around. Surrounded by other works and equipment, accidents can happen to anyone when they least expect it. If you are injured at work, our coverage can help with expenses.
2. Accidents Happen at Home
Many people don’t realize accidents can happen around your home. You can easily fall down the stairs, fall off a ladder cleaning out your gutters, or in numerous other ways. If you have an accident at home, knowing you’ll be covered gives you peace of mind.
3. While Playing
Many people enjoy the great outdoors, such as hiking and fishing. Others enjoy playing sports in their evenings and weekends. The likelihood of an accident happening greatly increases if you enjoy these types of activities. make sure you are covered if they do.
4. While Traveling
Traveling is an essential part of life, whether it is for business or pleasure. The world is a busy place and a lot of things can happen. If you are injured while traveling, you’ll be covered and you’ll receive help with your expenses, which can quickly add up, depending on the injury.
Benefit Features Under Base Plan
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.
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-aid expenses. All covered expense 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.
1 UNIT
$2,000
2 UNIT
$4,000
ACCIDENTAL DEATH BENEFIT
This benefit pays a fixed amount per unit if an insured suffers a fatality as a result of an accident.
1 UNIT
$50,000
2 UNIT
$100,000
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.
1 UNIT
$5,000
2 UNIT
$10,000
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.
1 UNIT
$150
2 UNIT
$300
Dismemberment Benefits
Loss of Finger or Toe
Single Loss Benefit
Multiple Loss Benefit
1 UNIT
$500
$1,000
2 UNIT
$1,000
$2,000
Loss of Finger or Toe
Single Loss Benefit
1 UNIT
$500
2 UNIT
$1,000
Multiple Loss Benefit
1 UNIT
$1,000
2 UNIT
$2,000
Loss of Hand, Arm, Foot or Leg
Single Loss Benefit
Multiple Loss Benefit
1 UNIT
$5,000
$10,000
2 UNIT
$10,000
$20,000
Loss of Hand, Arm, Foot or Leg
Single Loss Benefit
1 UNIT
$5,000
2 UNIT
$10,000
Multiple Loss Benefit
1 UNIT
$10,000
2 UNIT
$20,000
Loss of Sight
Single Loss Benefit (One Eye)
Multiple Loss Benefit (Both Eyes)
1 UNIT
$5,000
$10,000
2 UNIT
$10,000
$20,000
Loss of Sight
1 UNIT
$5,000
2 UNIT
$10,000
1 UNIT
$10,000
2 UNIT
$20,000
Plan Features
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.