Accident Insurance – Premier Plans
You never expect an accident to happen. But if it does, your focus should be on recovery — not medical bills. Colonial Life accident insurance can help cover medical costs. Whether the accident is as simple as a cut hand from a fall or as complex as a car accident, you can count on us to support you.
OUR COVERAGE INCLUDES:
-
- Benefits payable directly to you
- No medical questions to qualify for coverage
- Coverage for simple and complex injuries
- Benefits payable, regardless of other insurance
- Worldwide coverage
- Keep coverage no matter where you go
- Works alongside your health savings account (HSA)
Olivia was driving to the store when she got into a car accident.
___
AMBULANCE AND EMERGENCY ROOM VISITOlivia arrived by ambulance to the nearest emergency room and received immediate care. ___ DIAGNOSTIC PROCEDURES The doctor ordered an X-ray and discovered Olivia had fractured her thigh (femur). He also ordered a CT scan of her head to check for brain injury. ___ HOSPITAL ADMISSION, CONFINEMENT AND SURGERY
Olivia was admitted to the hospital for surgery on her leg. She was confined for three days. ___ PHYSICAL THERAPY Olivia had eight sessions of physical therapy to help regain the strength in her leg. ___ DOCTORʼS OFFICE VISITS Over the next several weeks, she had six follow-up appointments with her doctor. ___
Benefits are per covered person per covered accident unless stated otherwise.
Let’s breakdown what Total Accidental Care would look like:
INITIAL CARE
COMMON ACCIDENTAL INJURIES
HOSPITAL CARE
SURGICAL CARE
TRANSPORTATION & LODGING
FOLLOW-UP CARE
ACCIDENTAL DISMEMBERMENT
ACCIDENTAL DEATH
Cancer Insurance Level 3 Benefits
Cancer insurance helps provide financial protection through a variety of benefits. These benefits are not only for you but also for your covered family members.
The policy has limitations and exclusions that may affect benefits payable. Most benefits require that a charge be incurred. Coverage may vary by state and may not be available in all states. For cost and complete details, see your benefits counselor.
This chart highlights the benefits of policy form CanAssist (including state abbreviations where used, for example: CanAssist-TX). This chart is not complete without form number 101481.
Hospital Confinement Indemnity Insurance
Our Individual Medical Bridge SM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children.
The following is a list of common diagnostic procedures that may be covered:
Tier 1 Diagnostic Procedures
Tier 2 Diagnostic Procedures
The surgeries listed below are only a sampling of the surgeries that may be covered. Surgeries must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, please refer to your policy.
Tier 1 Outpatient Surgical Procedures
Tier 2 Outpatient Surgical Procedures
THIS POLICY PROVIDES LIMITED BENEFITS.
EXCLUSIONS
- “We will not pay benefits for losses which are caused by: alcoholism or drug addiction, dental procedures, elective procedures and cosmetic surgery, felonies or illegal occupations, pregnancy of a dependent child, psychiatric or psychological conditions, suicide or injuries which any covered person intentionally does to himself or herself, war, or giving birth within the first nine months after the effective date of the policy. We will not pay benefits for hospital confinement of a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months after the effective date due to a pre-existing condition.
- Pre-existing condition means any covered person having a sickness or physical condition that during the 12 months immediately preceding the effective date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice, diagnosis, care, or treatment or for which medical advice, diagnosis, care, or treatment was recommended or received.
- Routine follow-up care during the 12 months immediately preceding the effective date of this policy to determine whether a breast cancer has recurred in a covered person who has been previously determined to be free of breast cancer does not constitute medical advice, diagnosis, care, or treatment for purposes of determining pre-existing conditions, unless evidence of breast cancer is found during or as a result of the follow-up care.
- For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number IMB7000-FL. This is not an insurance contract and only the actual policy provisions will control.”
Specified Critical Illness Insurance
If you’re diagnosed with a covered critical illness, specified critical illness insurance from Colonial Life can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery. Face amount: $_______________
Critical illness benefit
The maximum benefit amount for this policy is 100% of the face amount for each covered person. We will not pay more than 100% of the face amount for all covered critical illnesses combined. The policy will terminate when the maximum benefit amount for specified critical illness has been paid.
Help protect the people who depend on you!
What if something unexpected happened to you? Without you, your family might not have the funds to:-
- Cover final expenses, such as funeral costs and medical bills
- Replace your lost income they depend on for everyday living expenses
- Help pay off the mortgage so they can remain in the home
- Manage debt, such as credit cards and car loans
- Provide funds for college education for your children
41 Million Americans say they need life insurance coverage but don’t have it. (LIMRA, Insurance Barometer Study, 2020.)
Many families aren’t prepared…
Despite the importance of having financial protection for their loved ones, many families don’t have enough life insurance.
-
- 44% of households said they would face financial hardship within six months if the primary wage earner were to pass prematurely
- 7 in 10 Americans say they personally need life insurance coverage
(LIMRA, 2021 Insurance Barometer.)
Talk with me, Rikki Topps, to learn how life insurance can help protect everything you’ve worked so hard to build.