Personal Accident Indemnity Delivery - PAID (CUL)

A 24-Hour, World Wide Accident Expense Benefit

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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 covered 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
$20,000 spouse
$10,000 child

Dismemberment
We will pay the applicable lump sum benefit indicated in the policy for dismemberment. Dismemberment must occur as a result of on or Off-the-Job injuries sustained in a Covered Accident and must occur within 90 days of the accident. Only the highest single benefit per Covered Person will be paid for dismemberment. Benefits will be paid only once per Covered Person, per Covered Accident. If death and dismemberment result from the same accident, only the Accidental Death Benefit will be paid. Loss of use does not constitute dismemberment, except for eye injuries resulting in at least 80% of vision that is permanently lost.

$625 - $40,000

Dislocations
Diagnosed within 90 days, correction with anesthesia by Physician and corrected by Open (surgical) or Closed (non-surgical) reduction

$50-$2,000 any insured

$100-$4,000 any insured

Fracture
Fractures requiring Surgical or Non-Surgical reduction within 90 days of a Covered Accident

$25-$2,500 any insured

$50-$5,000 any insured

Lacerations
Lacerations requiring repair by a physician within 72 hours of Covered Accident

$50-$400 any insured

$100-$800 any insured

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

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

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

Emergency Room Treatment
Treatment sought within 72 hours of Covered Accident

$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

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

$60 per year. Policy must be in force 30 days before this benefit is payable

Additional Benefits
Air Ambulance, Ambulance, Hospital Confinement, Major Diagnostic Exams, Physician's Office / Urgent Care, Blood, Plasma and Platelets, Emergency Dental Work, Gunshot Wounds (unintentional), Lodging, Eye Injury, Knee Cartilage - Torn, Transportation, Surgery, Epidural Pain Management, Physical Therapy, Rehabilitation Unit, Prothesis, and Medical Appliances.