Accident Insurance
Little League, weekend sports and leisure hobbies. Chores and fix-up projects around the house. Going to work every day. These activities are a part of normal everyday life. Unfortunately, accidents are also a part of everyday life. And, we often don't think about the accidental injuries, or even the accidental deaths, which may happen during the course of a day. With our supplemental accident insurance, you can be better prepared for what happens next.
Designed to supplement your employer-sponsored insurance coverage, accident insurance pays specific benefit amounts for injuries received in a covered accident. Benefits from a voluntary accident insurance plan can help pay the out-of-pocket expenses related to an accidental injury that your existing coverage may not cover, such as:
- Helping pay for expensive medical treatment for broken bones and dislocations, or physical therapy.
- Crutches, wheelchairs or other medical aids you may need as a result of your accident.
- Co-payments, co-insurance and deductibles.
Accidental death benefits can help your family meet continuing needs in case of an accidental death. The death benefit is increased if the accidental death occurs on a common carrier such as a commercial airplane or subway system.
Our accident plan features a flexible plan design so that you can choose the coverage that best meets your unique needs. Coverage is available for both on and off-job accidents, and several optional riders are available so you can choose additional protection you or your family may need. The optional riders provide extra coverage and benefits for hospital confinement due to a covered sickness or disability due to a covered accident or a covered sickness. A health screening benefit rider is available to help with the cost of specified health screening tests.
This accident plan is:
- Available for you, your spouse and your family.
- Guaranteed renewable for life, as long as premiums are paid when they are due.
- Portable. If you change jobs or retire, you can take your coverage with you.
- Designed for your use. Your benefits will be paid directly to you unless you specify otherwise.
- Premiums are level and do not change based on age or occupation. Optional riders are available at an additional cost.
Products are underwritten by The Paul Revere Life Insurance Company.
Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your benefits representative.
Policies are guaranteed renewable, as defined by the policy, as long as premiums are paid when due or within the grace period.
This policy (ACCPOL-NY) provides accident insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums which the Company expects to return as benefits, when averaged over all people with this policy.
