Supplemental Accidents Hospital Indemnity Insurance

Accident Protector Insurance

Protection That Works for You

Our Accident Protector policy covers you 24/7, 365 days a year, both on and off the job. As the policy owner, you can maintain your coverage even if you change employers, ensuring uninterrupted protection.

 Key Features:

- Claims are paid directly to you

- Benefits are paid in addition to any other insurance you may have

- Coverage is available for you and your family

Specified Indemnity Benefits

Our policy provides cash benefits for various accidents and medical situations. Here are some of the covered benefits:

Hospital Care

- Hospital confinement: $150 per day (within 90 days of injury)

- Intensive care: $5,000 per accident

- Ground ambulance: $100 (within 72 hours of injury)

- Air ambulance: $500 (within 72 hours of injury)

Additional Care

- Blood and blood plasma: $150

- Transportation (max 3 trips, over 100 miles from home): $300 per trip

- Family lodging: $100 per day (max lifetime benefit $3,000)

- Recovery after hospital stay: $100 per day

 Medical Visits

- Emergency room visit: $100 (within 72 hours of injury)

- Emergency room follow-up: $25 per treatment (up to 4 treatments)

- Urgent Care visit: $100 (within 30 days of injury)

 Injuries and Treatments

- Concussion: $100 (within 90 days of injury)

- Physical therapy: $25 per session (max 10 sessions)

- Fractures: $250 for minor, $1,000 for major

 Preventive Care

- Health screening test or procedure: $50 (once per year, per insured)

## Accidental Loss of Life and Dismemberment Benefits

| Coverage | Insured | Spouse | Child |

|----------|---------|--------|-------|

| Loss of one limb or sight in one eye | $10,000 | $5,000 | $2,500 |

| Loss of life or multiple limbs or sight in both eyes | $25,000 | $10,000 | $5,000 |

| Accidental loss of life (common carrier) | $100,000 | $100,000 | $50,000 |

 Important Notes

- This is a supplement to health insurance and not a substitute for Major Medical or other minimum essential coverage.

- You are not required to purchase this coverage to buy Major Medical coverage.

- Some benefits may be paid at 50% for children.

- Please refer to the full policy document for complete details, including limitations and exclusions.

For more information or to enroll, contact Valentine Saint Martin today!

1. Nurse

a) Hospital confinement benefit: If injured while lifting a patient, resulting in a hospital stay.

b) Emergency room visit coverage: For treatment after a needle stick injury.

c) Physical therapy benefit: To recover from a back injury caused by long hours of standing.

d) Concussion coverage: If accidentally hit by equipment or a confused patient.

e) Health screening benefit: For annual check-ups to maintain their own health.

2. Correctional Officer

a) Intensive care benefit: If seriously injured during a prison altercation.

b) Ground ambulance coverage: For quick transport after an on-the-job injury.

c) Major fracture benefit: If a bone is broken while restraining an inmate.

d) Accidental loss of life benefit: Providing financial protection for family in worst-case scenarios.

e) Urgent care visit coverage: For less severe injuries that still require prompt attention.

3. Self-Employed Business Owner

a) Recovery following hospital confinement: To help cover lost income while unable to work.

b) Transportation benefit: If specialized treatment is needed far from home.

c) Minor outpatient surgery coverage: For procedures related to workplace accidents.

d) Appliances benefit: To cover crutches or a wheelchair if injured on the job.

e) 24/7 coverage: Protection even when working irregular hours or at home.

4. Administrative Clerk

a) Carpal tunnel surgery coverage: If repetitive motions lead to the need for surgery.

b) Emergency room follow-up treatment: For ongoing care after a workplace fall.

c) Air ambulance benefit: In case of a severe accident during the commute.

d) Family lodging benefit: If hospitalized far from home and family needs to stay nearby.

e) Blood and plasma coverage: For treatments needed after a serious accident.

5. Common Benefits for All Professions 

a) Accidental loss of life - common carrier: Extra protection during work-related travel.

b) Minor fracture benefit: For broken fingers or toes that can happen in any workplace.

c) Physical therapy sessions: To aid recovery and return to work after various injuries.

d) Health screening benefit: Encouraging preventive care for all policyholders.

e) 24/7, 365-day coverage: Protection both on and off the job, providing peace of mind.

These examples demonstrate how the Accident Protector policy can provide valuable coverage across various professions, addressing both job-specific risks and general accident scenarios. The policy's flexibility makes it relevant for workers in different fields, whether they face physical dangers, repetitive strain injuries, or the unpredictable accidents that can occur in any workplace or during daily life.