Coverage
The initial accident hospitalization benefit pays if the covered person is confined to a hospital room incurring a room charge after how many hours
18 hours
The only rider available on the accident policy
Accidental-Death Rider (ADR)
The initial accident hospitalization benefit pays this dollar amount 1 time per calendar year per covered person for hospital confinement
$1,500
Policyholder goes to the hospital emergency room for a covered accident without and X-ray. The accidental treatment benefit pays this dollar amount
$170
The accident treatment benefit resets every ______ hours
24
The accidental treatment benefit requires treatment to be within this many hours of the accident for the benefits to be payable.
72 hours
The additional amount that is added to the insured and spouse
$35,000
The initial accident hospitalization benefit pays this dollar amount 1 time per calendar year per covered person when admitted directly to an intensive care unit of a hospital
$2,500
Policyholder has a covered accident and has a doctors office visit without and X-ray and has 1 therapy visit. This would bay out this dollar amount
$160
Doctors office visit without X-ray- $120
Therapy benefit- $40
This benefit pays $60 once per calendar year if any covered person undergoes routine examinations or other preventive testing during the calendar year.
Wellness Benefit
Services covered:
Annual physical examination, dental examinations, mammograms, Pap smears, eye examinations, immunizations, flexible sigmoidoscopes, ultrasounds, prostate-specific antigen tests (PSAs), and blood screenings.
This benefit pays $40 for one treatment per day (up to a max of 10 treatments), per covered accident, per covered person
Therapy Benefit
The amount that is added to the child portion of this rider
$7,000
The appliance benefit pays between these amounts once per covered accident, per covered person
$25-$350
Back Brace-$350 Wheelchair-$350 Walker-$120
Body Jacket-$350 Leg Brace-$150 Walking Boot$120
Knee Scooter-$350 Crutches-$120 Cane-$25
Policyholder has a covered accident and requires an X-ray at the doctors office, and is prescribed a knee scooter, and has 5 follow-up visits. This benefit would pay this dollar amount
$700
Doctors office X-ray-$150
Knee Scooter-$350
Accident follow-up treatment benefit-$200 ($40 X 5)
The organized sporting activity benefit adds an additional percentage to any injury that occurs while the covered person in injured while participating in an organized sport not for wage or compensation
25%
This benefit pays $250 per calendar year, per covered person for CT scan, CAT scan, MRI, or EEG with no lifetime max
Major Diagnostic and imaging Exams Benefit
The total that is paid out on a common-carrier accident, and the other accident benefit including the rider for an individual
$235,000 and $85,000
The Family Lodging Benefit pays this dollar amount per night, up to 30 days per covered accident
$150
Policyholder has a covered accident and is taken to hospital in a ground ambulance, is admitted/confined to a room staying overnight(15 hours) for evaluation, X-ray was done, CT Scan was done, and was prescribed a wheelchair
$1,050
Ground Ambulance- $250
Accident treatment benefit- $200
major Diagnostic and Imaging Exams Benefit- $250
Appliance benefit- $350
The transportation benefit pays this dollar amount per round trip, up to 3 trips per calendar year, per covered person
$700
Burns pay up to this dollar amount
$13,000
An additional percentage is paid on the rider portion if 2 or more accidental-deaths occur in the same covered accident. What is this percentage
25% of the $35,000 or $7,000 benefit
$35,000 X 1.25=$43,750
$7,000 X 1.25=$8,750
If a policyholder and child are both injured in a covered accident and take the same ground ambulance to the hospital, the policy pays out this dollar amount
$500
2 X $250=$500
Policyholder has a covered accident and is taken to the hospital by air ambulance transportation, admitted directly to the ICU where they stay for 3 days, and then are moved to a regular hospital room for 5 additional days, and had an MRI done. This scenario would pay this dollar amount.
$8,525
Air Ambulance- $1,875
ICU Admission- $2,500
ICU Confinement- $1,500
Hospital Confinement- $2,400
Major Diagnostic and Imaging Exam- $250
The organized sporting activity benefit is limited to this dollar amount per policy, per calendar year
$1,000