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Accident Insurance
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Who would benefit from Accident Insurance?  You would if you have a very high deductible major medical insurance plan and you are very active in the outdoors.  Do you bicycle, backpack, ski, run, etc?  
 
Imagine having a $6,000 deductible on your major medical plan, or a $10,000 deductible.  Could you afford a trip to the emergency room where visits routinely run into the thousands?  A simple bike accident could put you there in an instant.  
 
Accident insurance is designed to protect you from accidents only.  It is a reimbursement insurance policy, meaning it will reimburse you specific amounts under specific conditions.  That is why it is great for folks who love the outdoors and would like help in meeting their major medical plan deductible.  The cool thing is that it does not matter what your major medical health insurance policy covers or not, the accident insurance policy will reimburse you as long as it is a covered accident. 
 
Even better - There are a few riders that can be added on to a base Accident Insurance policy at reasonable rates.  
  • Critical Iillness rider (cancer insurance)
  • Accident Only Disability Income rider (pays a flat monthly benefit if you are unable to work due to injuries sustained in a covered accident).
  • Accidental Dealth & Dismemberment rider (gives you the option to purchase additional levels of accidental death and dismemberment coverage). 

The icing on the cake with an Accident Insurance Policy is that they are extremely affordable in comparison to a traditional major medical health insurance plan. 

 
 

Benefit
Gold Plan
Silver Plan
Bronze Plan
Accidental Death
Primary: $75,000
Spouse: $15,000
Child(ren): $3,000
Primary: $50,000
Spouse: $10,000
Child(ren): $2,000
Primary: $25,000
Spouse: $5,000
Child(ren): $1,000
Dismemberment
Primary: up to $45,000
Spouse: up to $22,500
Child(ren): up to $7,500
Primary: up to $30,000
Spouse: up to $15,000
Child(ren): up to $5,000
Primary: up to $15,000
Spouse: up to $7,500
Child(ren): up to $2,500
Emergency Treatment
$150
$100
$50
Accident Follow-Up
$45 per treatment
3 per accident
$30 per treatment
3 per accident
$15 per treatment
3 per accident
Ambulance
Ground: $225; Air: $1,500
Ground: $150; Air: $1,000
Ground: $75; Air: $500
Burns
(30% or more of the body)
Up to $7,500
Up to $5,000
Up to $2,500
Dislocation
Open Reduction:
Closed Reduction:
 
Up to $5,100
Up to $1,350
 
Up to $3,400
Up to $900
 
Up to $1,700
Up to $450
Family Lodging
$150 per day (30 days max)
$100 per day (30 days max)
$50 per day (30 days max)
Fracture
Open/Compound:
Closed:
 
Up to $6,000
Up to $3,000
 
Up to $4,000
Up to $2,000
 
Up to $2,000
Up to $1,000
Lacerations
$150
$100
$50
Diagnostic Exams
$225
$150
$75
Paralysis
Quadriplegia: $7,500
Hemiplegia: $4,500
Paraplegia: $3,000
 
Quadriplegia: $5,000
Hemiplegia: $3,000
Paraplegia: $2,000
Quadriplegia: $2,500
Hemiplegia: $1,500
Paraplegia: $1,000
Physical Therapy
$30 per treatment (10 max)
$20 per treatment (10 max)
$10 per treatment (10 max)
Prosthesis
$750
$500
$250
Surgery
Up to $1,200
Up to $800
Up to $400
Transportation
$450 round trip
$300 round trip
$150 round trip

Hospital Cash Benefit
Hospital Admission
$1,750 per admission
Hospital Confinement
$375 per day
30 days per confinement, 365 days lifetime limit
Intensive Care Unit
$375 per day
15 days per injury
Rehabilitation Unit
$100 per day
30 days per injury, up to 60 days per year

Refer a friend, or call yourself, to 530-672-9860 for your customized quote!  Why wait until you have that accident? 
Allen & Allen LLP
P: (916) 932-0660
F: (530) 672-9725
Office Hours:
Monday to Friday 8:30am to 5:00pm

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