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Hospital Accident Plan

Collect Daily Cash Benefits of up to $1,800

With this Hospital Accident Plan Member Benefit, when a serious covered accident lands you in the hospital you can receive the following Cash Benefits:

$1,800 a day Intensive Care Confinement $900 a day Hospital Confinement

  • All Cash Benefits paid directly to you
  • All paid in addition to any other insurance you may have
  • All yours to spend any way you want

Click here to enroll

This product may not be available to residents of all states.
Confinement benefits reduce by 50% at age 65, and reduce to 25% at age 70. Insurance is underwritten by Federal
Insurance Company, a Chubb company. For California Residents: Insurance product offered by Affinion Benefits
Insurance Services, Inc. Underwritten by Federal Insurance Company.


Product Description

Provides cash benefits to the insured in the event of hospitalization due to a covered accident.

Account Types

Share/Share Draft/Credit Card

Eligibility

Insured and spouse: U.S. resident age 18 or older Dependent children: under 19, or between the ages of 19 and 25 if enrolled in accredited institution of higher learning No termination age; however, hospital benefits (in-hospital only) reduce to 50% at age 65 and reduce to 25% at age 75; emergency room benefits stay the same Coverage limited to one Insurance Coverage Document (for identical benefits) per insured

Cash Benefits

  • Plan pays $900 per day for each day of hospitalization- up to 365 days for any one injury
  • Hospital benefits is doubled to $1800 for each day in Intensive Care Unit (ICU)-up to 365 days
  • Pays $450 for hospital emergency room as outpatient visit within 72 hours of accident

Additional Features

60-day, 100% Money-Back Guarantee for the insured Anti-inflation Benefit – coverage increases 10% each year – up to 150%

Family Coverage

Spouse

  • Emergency room benefit - $450
  • Spouse with children – 50% of daily hospital benefit
  • Spouse without children – 60% of daily hospital benefit

Dependent Child(ren)

  • Emergency room benefit - $450
  • Each dependent child – 20% of daily hospital benefit
  • Each dependent child of a single parent – 40% daily hospital benefit

Exclusions

As with all insurance programs, some exclusions apply which are detailed in the Certificate of insurance.

FAQ

Q. I have health insurance through my employer. Why do I need the Hospital Accident Plan?

A. This insurance supplements your other coverage plans. In the event you are hospitalized because of an accidental injury, HAP pays you cash for each day you are hospitalized.

Q. Is the amount paid directly to the hospital or to my physician?

A. No. The cash is paid directly to you, unless you say otherwise, to spend any way you choose. It’s designed to help defray the cost of hospitalization or the incidentals that result from an unplanned hospital stay.

Q. Can I specify that the payment be paid directly to the hospital or physician?

A. Yes. You may designate a doctor, hospital, or anyone you choose.

Q. If I go to the hospital for elective surgery, can I file a claim?

A. No. This insurance pays for covered accidents only. Hospitalization due to sickness or disease is not covered.

Q. How much coverage can I get? Can I insure my family, too?

A. You can be covered for $900 per each day of hospitalization; if you are in intensive care, the coverage doubles to $1,800 per day. The emergency room benefit is $450. You may also choose single or family coverage, which protects your spouse and dependent children at a reduced benefit rate. See your Certificate of Insurance for specific amounts.

Q. Do I have to take a medical exam or answer a lot of health questions?

A. No. There are no medical questions or physical exams required to qualify.

Q. Can I be turned down for this insurance?

A. No. Your coverage is guaranteed provided you are 18 years of age or older.

Q. Is there an age cut off?

A. There is no termination age; however, benefits reduce to 50% at age 65, and reduce to 25% at age 75.

Q. When does my coverage begin?

A. The effective date is shown on your Certificate of Insurance.

Q. How long does it take before I receive my Certificate of Insurance?

A. It takes about 30 days from the time the enrollment form is received to process and issue the Certificate of Insurance.

Q. What if I decide to cancel?

A. If you choose not to keep your insurance, simply call toll free 1-877-517-0555, and your insurance will be cancelled.

Q. How will I be billed?

A. If you are a share/share draft account holder, the premiums will automatically be debited from your account monthly/quarterly. This transaction will be reflected on your statement. If you are a credit card account holder the premiums will automatically be charged to your account monthly/quarterly. This transaction will be reflected on your statement.

Q. How do I file a claim?

A. Call toll free 1-800-252-2148 weekdays, 7:00 a.m. to 5:00 p.m. CST.

Q. How long will it take to process my claim?

A. The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Franklin, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.

Q. Who is the plan administrator?

A. The Plan Administrator is Franklin Madison Group LLC.

Q. May my bank representative call customer service on my behalf?

A. To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.