Accident Medical Expense(AME) Benefit
An Association membership may provide members with access to supplemental Group Accident Only Insurance benefits. Having supplemental insurance can help in the event of an unexpected accident.
Accident Medical Expense(AME) Benefit is included in the Pro Plus, Elite and Enterprise Elite membership plans, see list of membership plans for details.
The Accident Medical Expense benefit pays for covered charges resulting from a Covered Accident. The first treatment or service must occur within 60 days of the Covered Accident and all and all subsequent treatments must be incurred within 12 months of the Covered Accident.
| Maximum Amount per covered Accident | $5,000 | $10,000 | |
|---|---|---|---|
| Deductible per Covered Accident | $250 | $250 | |
| Initial Treatment Period | 60 Days | 60 Days | |
| Benefit Period | 12 Months | 12 Months | |
Covered Charges
After the Deductible has been satisfied, This benefit will pay the Benefit Percent of incured Covered Charges which are in excess of the total benefits payable for the same injury by any Other insurance coverage you may have. A maximum of the amount listed on your Certificate if you are injured in a Covered Accident. Subject to a $250 deductible.
You will receive up to the maximum amount for medical charges due to an accident for a covered injury. Covered charges include Hospital Room and Board, General Nursing Care, Doctor Fees for Surgery, Anesthesia services and more.
There is a $250 deductible per covered accident. (The Accident Medical Expense Benefit does not pay for re injury or complications of an injury caused or contributed to by a condition that existed before the Accident.)
Accident insurance benefits help you prepare for the unexpected and provide an affordable way for individuals and families to be protected from the extra expenses that can come due to an accident. Having access to benefits and resources to assist with unforeseen expenses can help ease the burden; and this is where Accident insurance benefits can help.
Key advantages include:
- Minimize out-of-pocket health care expenses specifically related to a covered accident
- Provide cash benefits towards medical services related to a covered accident after a $100 deductible
- Protect finances while dealing with covered accidents (on specific memberships ONLY)
- Provide just the right amount of benefits at an affordable price
Not available in all States
This publication is not intended to offer legal advice or client-specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that you may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance certificates must always be consulted for full coverage details and analysis.
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