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SUPPLEMENTAL PLANS

Prepare with accident insurance

 

Accident Pro Series – Golden Rule Insurance Company

Benefits from accident insurance coverage

This accident insurance coverage will give you extra assistance for those medical expenses you weren’t expecting or find yourself facing as a result of accidental injury. Accident Pro series benefits: 

  • Are paid for eligible expenses regardless of what other health insurance may cover 
  • Pay for covered expenses related to accidental injury, up to your calendar year maximum. 
  • Can help with those out-of-pocket costs your main health insurance doesn’t cover.

AD&D in every plan

The Accidental Death & Dismemberment benefit amount is the same as the accidental injury benefit amount. It pays in addition to any accident benefits to you or a beneficiary.F34

Critical illness coverage

Accident ProGuard and Accident ProGap plansF33 add critical illness benefits for a number of covered conditions. The critical illness benefit matches the accident benefit level selected.F34

Hospital sickness coverage

Accident ProGapF33 adds coverage for one more unexpected event, hospitalization due to sickness. If you’re ill and admitted to the hospital for more than 24 hours, you’re paid a lump sum payment to help with those costs, one payment per covered person per calendar year.

 

Accident Pro Series Options – Golden Rule Insurance Company

Compare our accident insurance plan options

Accident insurance pays cash benefits for eligible expenses resulting from accidental injuries. This can help you prepare for those unexpected life events that come your way. Even if your health insurance covers 100% of your medical costs from the accident, you still receive the benefits from your accident insurance plan for eligible costs.

With Accident Pro series products, accident and AD&D coverage is in effect as soon as the policy starts. If you choose a plan that includes critical illness or hospital stay for sickness benefits, those benefits have a 30-day waiting period in most states.

Yes. All Accident Pro series plans include AD&D coverage. The amount of that coverage matches the accidental injury coverage amount selected for the plan.

For qualifying accident expenses, illnesses, or hospitalizations due to sickness, benefits are paid directly to you. Then you decide how best to use that money to help your situation.

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This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your licensed insurance agent or the company, whichever is applicable.

THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expense incurred.

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