Hospital Accident Insurance Plan
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When a covered accident puts you in the hospital, you can get...
Cash benefits
paid directly to you
This Hospital Accident Plan is arranged for you by Members Insurance Advisors, a wholly owned subsidiary of Delta Community Credit Union, and underwritten by Federal Insurance Company, a Chubb company.
Paid to you in addition to any other insurance you may have for each covered accident
Limit per occurrence 1 $328,500.00 for 365 days
Intensive Care Confinement
Limit per occurrence 1 $657,000.00 for 365 days
More reasons to say "Yes" today
Even a short hospital stay can strain a family budget when you've got monthly bills to pay. Spend your cash benefits any way you want. Pay rent, credit card bills, auto loans, and more. When your family may need it most, you'll appreciate the financial helping hand this Hospital Accident Insurance can deliver.
Spend your cash benefits any way you want.
Every penny is paid in addition to other insurance you may have. Hospital cash benefits are
available for $17.65 a month for you alone. Or for $29.95 a month you can cover your family as
well. No matter which one you select – all your lump-sum claims checks are payable directly,
to you.1
Easy to get. Easy to keep.
60-Day
100% Money Back Guarantee*
Give your loved ones the financial help they deserve.
Insurance products are underwritten by Federal Insurance Company, are not deposits of Delta Community Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Delta Community Credit Union and may be subject to risk. Insurance products offered through Members Insurance Advisors, a wholly owned subsidiary of Delta Community Credit Union.
This is an accident only policy and does not pay benefits for loss from sickness.
*If you are not happy with the Hospital Accident Insurance for any reason, and you have not submitted a claim that has been paid, or will be paid, simply contact us within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.
1In most states, confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75 (except in MN). Outpatient Emergency Room benefits do not reduce due to age. The family plan covers your spouse and children at a percentage of your coverage amount. Please see the Summary of Benefits below for exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. Not available in all states. This offer is null and void if United States trade or economic sanctions prohibit us from offering or providing insurance. Insurance is underwritten by Federal Insurance Company, a Chubb company.
Chubb is the marketing name used to refer to the subsidiaries of Chubb Limited providing insurance and related services. Insurance provided by Federal Insurance Company. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, P.O. Box 1600, Whitehouse Station, NJ 08889-1600.
Insurance product offered by Franklin Madison Group LLC (For California residents: Franklin Madison Insurance Services LLC). Underwritten by Federal Insurance Company.
THIS PLAN PROVIDES SUPPLEMENTAL BENEFITS ON A FIXED INDEMNITY BASIS. IT DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE (OFTEN REFERRED TO AS “MAJOR MEDICAL COVERAGE”) AND DOES NOT SATISFY A PERSON’S INDIVIDUAL OBLIGATION TO SECURE THE REQUIREMENT OF MINIMUM ESSENTIAL COVERAGE UNDER THE AFFORDABLE CARE ACT (ACA). FOR MORE INFORMATION ABOUT THE ACA, PLEASE REFER TO HTTP://WWW.HEALTHCARE.GOV.
Please tell us where you live:
This plan may not be available to residents of all states.
Insurance is underwritten by Federal Insurance Company, a Chubb company.
Chubb is a global insurance leader - the world's largest publicly traded property and casualty insurer, with operations in 54 countries, exceptional financial strength, and a broad range of personal insurance products. Chubb combines the precision of craftsmanship with decades of experience to conceive, craft and deliver the very best insurance coverage and service to individuals and families.
Enrollment
Are there other ways to enroll?
Yes. You can call 844-515-5873 toll free (Monday through Friday, 8 a.m. to 9 p.m., EST) and a friendly representative will assist you by mailing you the form you need to enroll.
Can I get insurance for my spouse and family, too?
Simply select the family plan, it will automatically cover you, your spouse or domestic partner and all your dependent children. Your daily In-Hospital, emergency room, and Intensive Care Unit benefits will be the full amount you have selected on your enrollment form. Your spouse or domestic partner will receive 50% of this amount and each of your dependent children will receive 20%. If there are no eligible children, your spouse or domestic partner will receive 60% of your amount; if there is no spouse or domestic partner, each dependent child will receive 40%.
Do I have to take a medical exam or answer a lot of health questions?
No medical exams, blood tests, or health questions are required to get and keep this coverage.
Coverage
Who provides this insurance?
Federal Insurance Company, a Chubb company, is the underwriter.
When does coverage begin?
Your effective date will be shown on your certificate/policy of insurance that you will receive within 15 days of our receipt of your activation form. Please note that your effective date may be delayed depending on the billing cycle of your financial institution. Please be sure to review your certificate/policy of insurance upon receipt to determine your effective date.
Are there any additional benefits?
You automatically receive the following benefit (Except in MN):
Inflation Protection — for each year from the plan effective date, the In-Hospital, Intensive Care, and Emergency Room Benefits will increase by 10% for as long as your coverage is in force until it reaches 150% of the original amount. Please refer to the Summary of Benefits below, or once insured, your Insurance Coverage Document for specific details.
What exclusions apply?
Exclusions may vary based on your state of residence. Please review the Summary of Benefits for the exclusions in your state.
Who is covered under the Family Plan?
The Family Plan would provide coverage for you, your spouse or domestic partner and all your dependent children. Please refer to the Summary of Benefits for more detailed information.
Is there an age cutoff?
There is no termination age; however, confinement benefits reduce by 50% at age 65 and reduce to 25% at age 75 (except in MN). Your Outpatient Emergency Room benefits do not reduce due to age.
What if I have other insurance?
This insurance will pay all cash benefits due to a covered accident regardless of any other insurance that you may have.
Are on-the-job accidents covered?
Yes. Your coverage is effective 24 hours a day, anywhere in the world.
Who are Franklin Madison Group LLC and fmservice?
Franklin Madison Group LLC is the Plan Administrator for this Delta Community Credit Union and its wholly owned subsidiary, Members Insurance Advisors, sponsored insurance coverage. Delta Community Credit Union and Members Insurance Advisors are our clients. www.fmservice.com is the member access website service, sponsored and wholly owned by Franklin Madison Group LLC.
Billing
How will I be billed for my coverage?
The coverage you select will be conveniently billed to the account provided at the time of enrollment.
What day does the premium come out of my account?
On the 5th day of the month unless it falls on a weekend or holiday.
What if I am not happy with this plan?
You have a no-risk, 60-Day, 100% Money Back Guarantee. If you are not happy with the insurance for any reason, and you have not submitted a claim that has been paid, or will be paid, simply contact us within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.
Claims
How do I file a claim?
You can request our Insurance Claim Forms by calling our Claims Department at 800-252-2148. A representative will be glad to assist you in filing a claim.
Why do you need my hospital records to process a claim?
These records are required by the insurance company to verify the primary cause of hospital confinement was due to a covered accident.
What if I can't get an accident report?
Submit all information that you have relevant to the accident, including a police report if there is one, and the insurer will contact you if more information is needed.
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