事故
Protector - Excess Medical Expense Coverage
事故保护器 is an excess medical expense coverage insurance plan, designed to help fill the gap of out-of-pocket expenses you may incur as a result of accidental bodily injury. The plan pays up to the selected excess medical expense amount after the applicable deductible is met.
Extra Coverage for Life’s Unpredictable Mishaps
事故保护器 provides extra coverage to help cover out-of-pocket expenses related to an accident.
Utilize 事故保护器 to provide You with a financial advantage:
- Provides lump sum payouts if Your Injury is due to an accident 和 results in a loss.
- Excess Medical Insurance that helps cover the cost of deductibles, 相关费用, 和 other expenses not covered by insurance.
When it Comes to 事故s…You Can’t Be Too Careful.
事故保护器 provides extra coverage to help fill in the gap between Your 事故 Plan’s Calendar Year 可扣除的, 访问的费用, 和 out-of-pocket Coinsurance expenses!
| Excess Medical Expense Coverage: | |
|---|---|
| Medically Necessary Treatment by a Physician | 病房 & 董事会 |
| Medically Necessary Treatment by a Nurse | 救护车 |
| 诊断测试 & x射线 | 门诊手术 |
| 氧气 | 血 & 血浆 |
| Rental of Durable Medical Equipment for a Covered 事故 or Injury | 投,夹板 & 拐杖 |
| 处方药 & 复合处方药 | 非处方药 |
| Medically Necessary Treatment by a Dentist | Dental Work to Sound Natural Teeth |
事故al Death 和 Dismemberment1
Unintentional Injuries continue to be the fifth leading cause of death in America. 与事故保护器, if an Insured’s Injury results in a loss, We will pay You up to 100% of the AD&D最大2 根据这一时间表:
| 覆盖损失 | AD&D最大值2 |
|---|---|
| 生命损失 | 100% |
| 断肢(两条或两条以上) | 100% |
| 丧失语言功能 & 听力丧失(双耳) | 100% |
| 失明(双眼) | 100% |
| 肢体丧失(一) | 50% |
| 丧失语言功能 | 50% |
| 听力丧失(双耳) | 50% |
| 失明(一只眼) | 50% |
| 失手(一) | 50% |
| 失去一只脚(1) | 50% |
| 听力丧失(一只耳朵) | 25% |
| 损失的经验 & 食指(同手) | 25% |
Utilize 事故保护器 to provide You with a financial advantage:
✓ Provides lump sum payouts if Your Injury is due to an accident 和 results in a loss.
✓ Helps cover the cost of deductibles, 相关费用, 和 other expenses not covered by insurance.
紧急空中救护车
Many accidents require emergency transportation to a Hospital or other facility. You can rest easy knowing we’ve got You covered regardless of the Excess Medical Expense Coverage selected.
Up to $4,000 per 事故 per Insured
Your coverage includes the amount of 紧急空中救护车 expense up to the maximum of $4,000 per 事故 per Insured for Medically Necessary transportation by air to the nearest Hospital qualified to render treatment in an Emergency within 90 days from the date of Injury sustained in an 事故.
We give You the option to select coverage that fits Your budget 和 needs. Choose Your coverage amount from the list below:
| 范围选择 & 可扣除的 | |
|---|---|
| ☐ $2,500 per Insured with $100 deductible | ☐ $5,000 per Insured with $250 deductible |
| ☐ $7,500 per Insured with $250 deductible | ☐ $10,000 per Insured with $500 deductible |
| ☐ $12,500 per Insured with $500 deductible | ☐ $15,000 per insured with $500 deductible |
When it Comes to 事故s…You Can’t Be Too Careful.
1 Benefits reduce by 50% on the 65th birthday of the Primary Insured 和 the spouse of the Primary Insured.
2 AD&D Maximum equal to Excess Medical Expense Coverage Maximum Benefit selected.
事故保护器 is not available in all states. Benefit amounts 和 availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods 和 Exclusions may apply.
The 事故保护器 Plan provides excess medical expense benefits for covered medical services in the treatment of covered accidental bodily injuries but is neither a traditional major medical plan nor a Workers Compensation plan under state law. The 事故保护器 Plan is considered an “excepted benefit plan” under the ACA 和 is not a “minimum essential coverage” plan under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 - 2018. Congress eliminated the shared responsibility payment in 2019 和 beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.