Accident Features and Benefits

Offering Vital Protection When Accidents Happen

Accident Insurance Features and Benefits

  • Guaranteed Issue with no participation requirements up to age 69
  • Coverage Type—24-Hour or Non-Occupational Coverage
  • Plan Options—Low or High Plan
  • Coverage Tiers—insured, insured + spouse, insured + child(ren) and Family
  • Guaranteed Renewable Coverage remains in force for life as long as premiums are paid
  • Portable—no change in cost or coverage
  • Issue Ages—Up to 69
  • Indemnity Benefits—Paid directly to insured to use as they choose

Covers initial care thru follow-up. Partial list below:

  • Ambulance
  • Burns
  • Dismemberment
  • Emergency Department Treatment
  • Fractures
  • Hospital Admission, Confinement, ICU
  • Lacerations
  • Major Diagnostic Exam
  • Initial Office Visit
  • Physical Therapy
  • Surgery
  • X-Rays

Catastrophic Accident and Accidental Death

Covered Person Common Carrier Non-Common Carrier Catastrophic Accident*
Named Insured $100,000 $25,000 $20,000
Spouse $100,000 $25,000 $10,000
Child(ren) $10,000 $5,000 $10,000

A Benefit is paid based for loss of finger, toe, hand, foot, arm, leg or sight of one eye—from $2,000 to $10,000 for the primary insured and $1,000 to $5,000 for the spouse and/or child.

Catastrophic Loss means an injury that within 90 days after the covered accident results in total and irrecoverable loss. Benefit for Catastrophic Accident decreases by 50% at age 70.

Policy Form: AMIACCP-14*
*Features & form numbers may vary by state.

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