1. You love to see game highlights –
Accident Insurance
[Case Name] 2013
You love to see game highlights –
just not on an X-ray.

2. We’ll take care of the bills…
You want to be active and healthy, but accidents are just a part of life – especially sports-related ones. They can happen to anyone, anywhere – from the soccer field to the ski slope and the highway in between. Ending up in urgent care can hurt more than a knee; it can hurt your finances.
That’s where Accident insurance can help. It helps pay for unexpected expenses that result from accidents. Your benefits can be used any way you choose.
While you take care of each other.

3. Accident Insurance Top sports leading to ER visits Accidents happen
30 million ER visits per year injuries
26% of ER visits are children under 18
Top sports leading to ER visits
Basketball and biking
Injuries occur:
At home (46%)
Off-the-job (67%)
Injury Facts, 2004 Edition

4. Accident Insurance Provides cash benefits direct to you for accidents
24-hour
Accident Insurance
Provides cash benefits direct to you for accidents
24 hours a day
Pays in addition to any other insurance you may have
Family coverage
You
You and your spouse
You and your children
Your whole family
24-HOUR COVERAGE

5. Accident Insurance Provides cash benefits direct to you for accidents
Non-occ
Accident Insurance
Provides cash benefits direct to you for accidents
Non-occupational coverage
Pays in addition to any other insurance you may have
Family coverage
You
You and your spouse
You and your children
Your whole family
NON-OCCUPATIONAL COVERAGE

6. Accident Insurance Features Fully portable Guaranteed renewable
You can keep your coverage even if you leave your employer or retire.
Guaranteed renewable
Coverage can only be cancelled for nonpayment of premiums.
No underwriting
No pre-existing condition limitations

7. Accident Insurance Initial care benefits: Injury benefits:
Physician visit, ambulance, emergency room treatment, hospital benefits, lodging, blood, surgery, emergency dental
Injury benefits:
Burn; concussion; dislocation; eye injury; fracture; herniated disc; laceration; loss of finger, toe, hand, foot, sight; tendon, ligament, rotator cuff injury; torn knee cartilage
Follow-up care benefits:
Physical therapy, appliances, prosthetic device, artificial limb, skin graft, transportation
Please refer to Schedule of Benefits for benefit amounts

8. Accident Insurance Hospital Admission Benefit: $250
Plan 1
Accident Insurance
Hospital Admission Benefit: $250
Provides a benefit for admission to a hospital due to a covered accident.
Payable once per person per accident.
Hospital Confinement Benefit: $100
Provides a benefit for confinement in a hospital due to a covered accident.
Benefit is payable for up to 365 days.
Hospital Intensive Care Unit Benefit: $200
Provides a benefit for confinement to a Hospital ICU.
Benefit is payable for up to 15 days.
PLAN 1
Hospital Confinement and ICU Benefits cannot be paid at the same time.

9. Accident Insurance Hospital Admission Benefit: $750
Plan 2
Accident Insurance
Hospital Admission Benefit: $750
Provides a benefit for admission to a hospital due to a covered accident.
Payable once per person per accident.
Hospital Confinement Benefit: $200
Provides a benefit for confinement in a hospital due to a covered accident.
Benefit is payable for up to 365 days.
Hospital Intensive Care Unit Benefit: $400
Provides a benefit for confinement to a Hospital ICU.
Benefit is payable for up to 15 days.
PLAN 2
Hospital Confinement and ICU Benefits cannot be paid at the same time

10. Accident Insurance Hospital Admission Benefit: $1,000
Plan 3
Accident Insurance
Hospital Admission Benefit: $1,000
Provides a benefit for admission to a hospital due to a covered accident.
Payable once per person per accident.
Hospital Confinement Benefit: $200
Provides a benefit for confinement in a hospital due to a covered accident.
Benefit is payable for up to 365 days.
Hospital Intensive Care Unit Benefit: $400
Provides a benefit for confinement to a Hospital ICU.
Benefit is payable for up to 15 days.
PLAN 3
Hospital Confinement and ICU Benefits cannot be paid at the same time

11. Accident Insurance Hospital Admission Benefit: $1,500
Plan 4
Accident Insurance
Hospital Admission Benefit: $1,500
Provides a benefit for admission to a hospital due to a covered accident.
Payable once per person per accident.
Hospital Confinement Benefit: $200
Provides a benefit for confinement in a hospital due to a covered accident.
Benefit is payable for up to 365 days.
Hospital Intensive Care Unit Benefit: $400
Provides a benefit for confinement to a Hospital ICU.
Benefit is payable for up to 15 days.
PLAN 3
Hospital Confinement and ICU Benefits cannot be paid at the same time

12. Accident Insurance Hospital Admission Benefit: $2,000
Plan 5
Accident Insurance
Hospital Admission Benefit: $2,000
Provides a benefit for admission to a hospital due to a covered accident.
Payable once per person per accident.
Hospital Confinement Benefit: $400
Provides a benefit for confinement in a hospital due to a covered accident.
Benefit is payable for up to 365 days.
Hospital Intensive Care Unit Benefit: $600
Provides a benefit for confinement to a Hospital ICU.
Benefit is payable for up to 15 days.
PLAN 3
Hospital Confinement and ICU Benefits cannot be paid at the same time

13. Accident Insurance Hospital Admission Benefit: $2,250
Plan 6
Accident Insurance
Hospital Admission Benefit: $2,250
Provides a benefit for admission to a hospital due to a covered accident.
Payable once per person per accident.
Hospital Confinement Benefit: $500
Provides a benefit for confinement in a hospital due to a covered accident.
Benefit is payable for up to 365 days.
Hospital Intensive Care Unit Benefit: $600
Provides a benefit for confinement to a Hospital ICU.
Benefit is payable for up to 15 days.
PLAN 3
Hospital Confinement and ICU Benefits cannot be paid at the same time

14. Accident Insurance Accidental Death Benefit
Plans 1, 2, 3, 4
Accident Insurance
Accidental Death Benefit
Employee $25,000
Spouse $10,000
Child $5,000
Accidental Death Benefit – Common Carrier
Employee $50,000
Spouse $20,000
Child $10,000

15. Accident Insurance Accidental Death Benefit
Plan 5
Accident Insurance
Accidental Death Benefit
Employee $50,000
Spouse $20,000
Child $10,000
Accidental Death Benefit – Common Carrier
Employee $100,000
Spouse $40,000
Child $20,000

16. Accident Insurance Accidental Death Benefit
Plan 6
Accident Insurance
Accidental Death Benefit
Employee $100,000
Spouse $40,000
Child $20,000
Accidental Death Benefit – Common Carrier
Employee $200,000
Spouse $80,000
Child $40,000

17. Accident Insurance Catastrophic Accident Benefit Employee $100,000
Plans 1, 2, 3, 4, 5, 6
Accident Insurance
Catastrophic Accident Benefit
Employee $100,000
Spouse $50,000
Child $50,000

18. Accident Insurance Family Wellness - $50 benefit
Plans 1, 2, 3
Accident Insurance
Family Wellness - $50 benefit
Health screening tests
Routine physicals
Immunizations
Two visits per person, 10 per family
60-day waiting period in most states
Pays in addition to other insurance

19. Accident Insurance Family Wellness - $25 benefit
Plans 1, 2, 3
Accident Insurance
Family Wellness - $25 benefit
Health screening tests
Routine physicals
Immunizations
Two visits per person, 10 per family
60-day waiting period in most states
Pays in addition to other insurance

20. Accident Insurance Health Screening Benefit - $50 benefit
Plans 4, 5, 6
Accident Insurance
Health Screening Benefit - $50 benefit
Routine health screening tests
No waiting period from effective date
One test per person per year
Pays in addition to other insurance

21. Accident Insurance Health Screening Benefit - $100 benefit
Plans 4, 5, 6
Accident Insurance
Health Screening Benefit - $100 benefit
Routine health screening tests
No waiting period from effective date
One test per person per year
Pays in addition to other insurance

22. Accident Insurance Loss of Work/Strike Benefit
Waives premium for covered loss of work due to:
Termination resulting from reduction in workforce due to economic conditions, decrease in production, discontinuance or changed skill requirements of your job
Strike
Lockout
Not available in: FL, MO, MT, NY, TN, VA, VT

23. Accident Insurance How Accident Insurance works
Plans 1, 2, 3
Accident Insurance
How Accident Insurance works
Benefits
Amount
Ambulance
$ 100
ER visit
$ 150
Fractured leg
$ 800
Crutches
2 X Physical Therapy $
Follow-up visit
Total
$1,250
If you or a covered family member breaks a leg, here’s how accident benefits may be paid. These benefits are paid in addition to what your health insurance pays!

24. Accident Insurance How Accident Insurance works
Plan 4
Accident Insurance
How Accident Insurance works
Benefits
Amount
Ambulance
$ 200
ER visit
Fractured leg*
$1,200
Crutches
$ 150
2 X Physical Therapy $
Follow-up visit
Total
$1,950
If you or a covered family member breaks a leg, here’s how accident benefits may be paid. These benefits are paid in addition to what your health insurance pays!
*Benefit payment is subject to diagnosis, terms and conditions of coverage.

25. Accident Insurance How Accident Insurance works
Plan 5
Accident Insurance
How Accident Insurance works
Benefits
Amount
Ambulance
$ 200
ER visit
Fractured leg*
$1,600
Crutches
2 X Physical Therapy $
Follow-up visit
Total
$2,400
If you or a covered family member breaks a leg, here’s how accident benefits may be paid. These benefits are paid in addition to what your health insurance pays!
*Benefit payment is subject to diagnosis, terms and conditions of coverage.

26. Accident Insurance How Accident Insurance works
Plan 6
Accident Insurance
How Accident Insurance works
Benefits
Amount
Ambulance
$ 600
ER visit
$ 250
Fractured leg*
$2,000
Crutches
$ 225
2 X Physical Therapy $
Follow-up visit
Total
$3,375
If you or a covered family member breaks a leg, here’s how accident benefits may be paid. These benefits are paid in addition to what your health insurance pays!
*Benefit payment is subject to diagnosis, terms and conditions of coverage.

27. For more details, contact your benefit counselor.
This provides a brief description of benefits and is not a contract. Plan availability and/or coverage, benefits, definitions, exclusions and limitations may vary by state. See Plan A-607 and other optional riders for your state for exact terms and provisions.
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