Accident Insurance

Individual Accident Insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury – not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs. You receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

• Broken teeth
• Concussions
• Intensive care unit confinement
• Ambulance, ground and air
• Emergency room visits
• Lacerations

Cancer/Specified Disease Insurance

No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). A Cancer/Specified-Disease Insurance policy is designed to provide you with cash benefits during covered cancer treatments. A supplemental Cancer/Specified-Disease Insurance policy can also help protect your income and savings from expenses that aren’t covered by your major medical health insurance policy, including:

• Deductibles
• Out-of-network specialists
• Experimental cancer treatment
• Travel and lodging when treatment is far from home
• Child care and household help
• Normal living expenses, such as your car payment, mortgage/rent and utility bill

Critical Care & Recovery Insurance

A serious health condition such as heart attack, end-stage renal failure or third-degree burns is not only a life-altering physical event, but a devastating financial one as well. Critical Care & Recovery Insurance may make all the difference by providing cash benefits as you concentrate on your recovery. Covered health events also include:

• Stroke
• Paralysis
• Coronary artery bypass surgery
• Persistent vegetative state
• Major human organ transplant
• Coma

Hospital Confinement Indemnity Insurance

No matter how good your major medical insurance is, when you’re hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren’t covered. A Hospital Confinement Indemnity Insurance policy provides cash benefits to use as you see fit. You can choose a hospital indemnity plan that provides hospitalization benefits only or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation. Some Hospital Confinement Indemnity Insurance advantages:

• No deductibles
• Increased benefit amount for the first five days of hospitalization per calendar year
• HSA compatible policies are available
• No pre-certification
• You own your policy, so even if you change jobs or retire, you can take it with you.

Hospital Confinement Sickness Indemnity Insurance

Hospital Confinement Sickness Indemnity Insurance policies help ease the financial burden of hospital stays due to illness by providing you with cash benefits. While the primary benefits of the policy pay for hospital care, there’s also a physician visit feature for those times when you’re sick, have an accident, or just need a routine exam. Some of the policy benefits include:

• Hospital confinement
• Major diagnostic exams
• Surgery
• Ambulance transportation
• Different levels of coverage to suit your needs and budget
• No pre-certification or network requirements

Hospital Intensive Care Insurance

A Hospital Intensive Care Insurance policy provides cash benefits for accidents or illnesses that result in an admission to a hospital intensive care unit. Cash benefits are paid directly to you no matter what other insurance you have. The hospital ICU insurance policy has a straightforward benefit design that complements your major medical, limited benefit or short-term health insurance plans. The Hospital Intensive Care Insurance advantages include:

• Initial cash benefit for first seven days in the ICU, with an increased benefit for the next eight days
• Progressive benefits that build over time
• Ambulance benefit
• Major human organ transplant benefit
• No deductibles

Lump Sum Cancer Insurance

A Lump Sum Cancer Insurance policy provides you with a pre-established amount if you or another covered person is diagnosed with cancer. You can use the money to help pay the expenses that you’ll have at the time, from medical costs to everyday bills. Cash benefits can be used to help pay for the expenses associated with cancer that may not be fully covered by your major medical insurance, including:

• Transportation to and from medical facilities, including parking
• Out-of-network specialists
• Experimental treatments
• Daily living expenses
• Rehabilitation
• Extended hospital stays

Lump Sum Critical Illness Insurance

A Lump Sum Critical Illness Insurance policy provides a single cash benefit to you if you’re diagnosed or treated for a covered critical illness event. This benefit is paid upon the onset date of the following critical illness events:

• Heart Attack
• Stroke
• End-Stage Renal Failure
• Coma
• Major Human Organ Transplant
• Paralysis