FAQs
What type of coverage is this?
This Accident Hospital Indemnity plan pays a benefit if you are hospitalized or require emergency treatment due to accidental injuries. You receive $200 per day during hospitalization, $200 per emergency treatment and $200 per day if you are admitted to an intensive care or burn unit.
Why do I need this type of coverage?
Health insurance won’t normally cover all of your health care costs or the everyday expenses that still have to be paid while you’re recovering and unable to work.
Is there a 100 percent money-back offer on this coverage?
We want you to be confident you've made the right decision. When your arrives, you'll have 30 days (31 in South Carolina) to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply return your within 30 days (31 in South Carolina) of receiving it for a full refund of premiums paid.
Do I have to take a medical exam?
A medical exam is not required. Acceptance is based on the information you provide.
What happens if I change jobs or retire while covered?
As long as the premiums are paid, the plan provides continuous coverage even if you change jobs or retire. You own the policy and can take it with you.
Can I be denied coverage for Accident Hospital Indemnity?
No. We guarantee that you will be automatically accepted for coverage if you are age 18-64 (18-54 in CA). However, you may only own one Accident Hospital Indemnity policy.
Will rates increase as I get older?
No. There will be no increase because of age, health or the claims you make.
Will my benefits decrease as I get older?
No, your coverage amount can never be reduced. It’s yours for as long as you pay your premiums.
If I’m admitted to an intensive care unit while I’m in the hospital, do I receive a benefit for both?
Yes, this plan pays a daily benefit of $200 while you are hospitalized, plus a daily benefit of $200 if you are admitted to an intensive care unit or burn unit.
Where can I find the details of my coverage?
Your provides you with your coverage details. This is the document you should always refer to for complete coverage and claims information.
Policy Form # : GC986