With a full-time job and three rambunctious kids, Marsha is a busy woman. If her children break something other than a window, she doesn't want an injury to break her bank account as well.
When life takes a tumble, our accident benefit gives you something to fall back on. Our coverage provides a lump sum benefit based on the type of injury sustained or the type of treatment needed. Covered expenses include emergency room treatment, doctor office visit, hospitalization and physical therapy.
An illustrative example
How accident coverage can help you with your expenses*
40-year-old claimant
- Accident: Fall at home
- Injury: Broken toe and ACL tear
- (knee ligament injury)
Out-of-pocket expenses incurred:
- $100 emergency room copay
- $250 deductible
- $750 copay for surgery ($3,750 x 20%)
- $150 copay for 10 physical therapy visits
Total out-of-pocket expenses: $1,250
Benefits paid:
- $150 emergency room copay
- $100 appliance (knee brace)
- $100 fractured toe
- $400 surgical ligament tear repair
- $ 50 follow-up appointment
- $150 for six physical therapy sessions
Total benefit paid under policy: $950
*Costs of treatment and benefit amounts may vary