Accident
Accidents are usually followed by a series of bills. Even if you have medical insurance, you may still have to cover out-of-pocket costs. If you suffer from a fracture, dislocation, or other covered accidental injury, Accident Insurance can help offset unexpected medical expenses, such as emergency room bills, deductibles, and co-payments.
This plan reimburses you for your actual medical expenses up to $1,000 per year, per covered person. The benefit is paid directly to you. Coverage options are available for you, your spouse, and your dependent child(ren). It also includes a benefit for death, loss of limbs, hospital visits, and transportation by ambulance – as a result of a covered accident.
The Accident plan includes the benefits below:
- $1,000 medical expense benefit per year (for expenses that result from a covered accident)
- Actual ambulance expenses (ground or air), up to $750 per accident
- Treatment in an emergency room is subject to a $50 deductible
- Accidental death, dismemberment, and loss of sight benefit, up to $15,000
Important Notes
- Employee are eligible regardless of age
- Spouses age 70 and older are not eligible to elect coverage
- Coverage for eligible child dependent(s) is up to age 26
Exclusions
All sicknesses including pregnancy, work-related injuries, services not medically necessary, being intoxicated in accordance with state laws, alcoholism, voluntary inhalation of gas/fumes/taking of poison, driving in any race or speed test or while testing an automobile or vehicle on any racetracks or speedway, injury while skydiving, hang gliding, parachuting, scuba diving, rodeo, or aviation except flight in a scheduled passenger aircraft, being under the influence of a narcotic/drug, intentionally self-inflicted injury, hernia, carpel tunnel syndrome, or any complication therefrom, bacterial infections.
