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Supplemental Accident Insurance
The Supplemental Accident Insurance plan is designed to supplement workers' compensation and employer major medical coverage so that no coverage gaps exist. But most importantly, the Supplemental Accident Insurance plan waives the war risk exclusion completely. Unexpected accidents bring unexpected expense. For over
25 years we have been helping families supplement their insurance by providing cash benefits - direct to the policyholder, to help fill gaps left by traditional insurance coverage. |
| Supplemental Medical Insurance offers voluntary employee health insurance benefits including
dental, accident, life, cancer, long-term care, and short-term
disability. |
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Benefits from our policies can help to supplement primary insurance deductibles, out-of-pocket expenses or lost income due to time off from work. One out of 4 of us will receive an injury as a result of an accident. Not only could an accident cause serious problems for you physically, but it could also threaten you financially. Accident insurance provides benefits that can help protect your savings and financial stability.
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While Supplemental Accident Insurance differ from one another, these are some of the benefits commonly offered with a basic supplemental accident insurance plan:
- A lump sum amount following an accident.
- Benefits in varying amounts for dislocations, fractures, loss of limbs or death.
- Hospital confinement allowance.
- Benefits for medical expenses, including physician fees and cost of x-rays.
- Coverage for individuals or your whole family.
- Coverage for an unlimited number of accidents.
- Some premium policy features (which usually cost more to add to your policy) may include:
- Disability benefits to help replace lost income.
- High daily allowance for hospital confinement.
You have the option of increasing your basic Accidental Death & Dismemberment coverage by purchasing Supplemental Accident Insurance. You can also choose to cover your family members. Coverage options range from $25,000 to $500,000, with the associate's benefit equal to 100% of the option they select and the spousal and children benefit percentages varying depending on the coverage level. You needed Accident Insurance because any of the following possible reasons.
- Lost income due to time off from work
- Medical plans that leave gaps which can result in uncovered expenses
- Health Insurance Plans that have deductibles to meet
- Non-medical costs such as transportation expenses, domestic help, lodging and meals while you are hospitalized or recovering
Benefits of Supplemental Accident
Insurance :
- Accident medical insurance protection
- Emergency evacuation and repatriation
- Weekly payment for temporary disability
- Lump sum payment for permanent disability
- Payment for coma and paralysis
- Accidental death and dismemberment coverage
- Worldwide emergency assistance service
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| Supplemental Medical Insurance does not cover eye and hearing exams, foot care, immunizations, or physical exams. |
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| Copyright © 2003,
Supplemental Insure.com |
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