Question 1

Accident Insurance

Accepted Answer

Accident insurance provides a lump-sum payment if you're injured in an accident, regardless of whether the injury prevents you from working. It can also serve as a valuable supplement to your health insurance by helping cover out-of-pocket medical expenses that may not be fully covered by your health insurance plan.

How Does Accident Insurance Work?
Accident insurance provides a lump-sum payment directly to you to help cover a variety of expenses, such as initial treatment, surgery, transportation and lodging, and follow-up care.

How it works:
 • A fixed benefit amount is paid based on the type of injury and the treatment you receive.
 • Payments are made directly to you (unless you choose otherwise) and can be used however you need.
 • Coverage is available for you, your spouse, and eligible dependent children — no medical questions or physical exams are required for basic enrollment.
 • Unlike workers’ compensation, which only covers work-related injuries, accident insurance covers injuries both on and off the job. Benefits are not reduced by any other insurance you may have.

Question 2

Critical Illness Insurance

Accepted Answer

Health insurance is essential, but it doesn’t always cover every expense. In the event of a serious illness like cancer, a stroke, or a heart attack, your plan may fall short of covering all your needs. Critical illness insurance helps ease the financial burden, allowing you to focus on healing and recovery.

How Will a Critical Illness Claim Get Paid?
If you're diagnosed with a covered serious illness after purchasing Critical Illness insurance, you'll receive a lump-sum payment paid directly to you — not to a medical provider. You can use these funds however you choose, including to help cover:

• Child care expenses
 • Medical bills and everyday living costs
 • Travel for you and your family
 • Lost income due to time away from work

Question 3

Hospital Indemnity Insurance

Accepted Answer

Hospital Indemnity insurance provides financial support to help cover the costs associated with a hospital stay that may not be fully paid by your health insurance. This plan offers benefits if you're admitted to a hospital or ICU due to a covered illness or injury. Even if your primary health plan covers most of the expenses, Hospital Indemnity insurance can help with additional costs during your recovery.

How Does Hospital Indemnity Insurance Work?
With a Hospital Indemnity insurance plan, you pay a monthly premium and receive cash benefits if you're admitted to the hospital due to an illness or injury. Payments are made directly to you, giving you the flexibility to use the funds as needed — whether it's for out-of-pocket medical costs, deductibles, copays, child care during your hospital stay, or everyday living expenses while you recover.

Supplemental Plans