Personal Accident Indemnity Delivery - PAID (CUL)

A 24-Hour, World Wide Accident Expense Benefit

Accidents happen when you least expect them – at home, at work, while playing or while traveling. While you can’t plan on them, you can plan for them – with our Accident Expense Insurance Plan that puts cash directly in your pocket when you are injured due to a covered accident.

  • Benefits Paid in Cash Directly to You! (Unless you assign them.)
  • Guaranteed Renewable until age 70
  • Pays in Addition to Any Other Insurance
Accident Plan Features:
 
1 Unit
2 Units

Accidental Death
Within 90 days of accident (Benefit doubles if accident occurs on a common carrier - plane, bus, train, etc.)

$25,000 individual
$10,000 spouse
$5,000 child

$50,000 individual
$25,000 spouse
$10,000 child

Dismemberment
(loss of toes, fingers, hands, feet, eyesight) Within 90 days of accident

$750-$15,000 individual
$500-$10,000 spouse / child

$1,500-$30,000 individual
$1,000-$20,000 spouse / child

Dislocations
Requiring correction with anesthesia diagnosed by a physician within 90 days of accident

$55-$2,000 any insured


$100-$4,000 any insured

Fractures
Fracture Requiring surgical or non-surgical realignment diagnosed by a physician within 90 days of accident

$25-$2,500 any insured


$50-$5,000 any insured


Lacerations
Requiring stitches, staples or glue within 72 hours of accident

$50-$400 any insured


$100-$800 any insured


Burns
Second- and third-degree burns treated within 72 hours of accident

$375-$5,000 individual
$150-$2,000 spouse / child

$750-$10,000 individual
$300-$4,000 spouse / child

Emergency Room Treatment
Within 72 hours of accident

$200 any insured


$200 any insured


Hospital Admission
Within 180 days of accident - not included: treatment in emergency room, outpatient treatment, a stay of less than 20 hours

$500 any insured

 
 

$1,000 any insured

 
 

Hospital ICU Confinement
Within 30 days of accident - if patient is in ICU for more than 15 days, the hospital confinement benefit begins on 16th day

$200 Per day for up to 15 days - any insured


$400 Per day for up to 15 days - any insured


Wellness
Annual Physical, Dental Exam, Mammogram, Pap Smear, Eye Examination, Immunization, Flexible Sigmoidoscopies, PSA Test, Ultrasounds, Blood Screening Test

$60 per year. Policy must be in force 9 months before this benefit is payable


$60 per year. Policy must be in force 9 months before this benefit is payable


Additional Benefits
Hospital Confinement (including Sub-Acute ICU), Ambulance, Major diagnostic exams, Physician's office or urgent care, Skin grafts, eye injuries, emergency dental work, prosthetic devices, medical appliances, blood products, ruptured disc surgery, rotator cuff surgery, abdominal or thoracic surgery, exploratory surgery and transportation, Lodging, gunshot would (unintentional)

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