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Accident Expense Plus
To cope with the skyrocketing cost of healthcare, many people have opted for policies with higher deductibles and co-pays. While that may lower premiums, it shifts the financial burden to you when you become injured or ill.
Accident Expense Plus is a smart, affordable supplement to your major medical coverage. It helps pay for deductibles, co-pays and other expenses that fall outside what your primary health insurance covers. The “plus” is our optional Critical Illness rider, and when you add this coverage you can receive a lump-sum benefit if you’re diagnosed with invasive cancer, heart attack or stroke.
The base accident expense coverage is offered to those between the ages of 18 and 64 – no questions asked. The Critical Illness rider availability is based on your answers to three simple health questions. What sets Accident Expense Plus apart from other accident coverage? You won’t have to coordinate your policy with any other coverage you may have.
Jason and Sara are a young couple with two very active kids. They are covered by employer-provided health insurance, but their premiums are high. Raising their deductibles would lower their premiums, but if they ever need insurance, the out-of-pocket expenses could wipe out what savings they have. By supplementing their primary policy with accident insurance offered through Accident Expense Plus, they can raise their deductibles, lower their premiums and preserve their long-term financial security.
- Four Deductible Options: $0, $100, $250, or $500 annually.
- Benefit Amounts (per calendar year): $1,000 to $15,000 in $1,000 increments.
- Covered Expenses: emergency room, hospital charges, surgery, physician charges, physical therapy, urgent care center, ambulance, major diagnostic exams, x-rays, prosthesis, drugs administered in a hospital or urgent care center.
- Family Coverage Options: to include spouse and/or children.
- Eligibility: Insurance available to anyone between 18 and 64, no questions asked.
- Independent Benefits: benefits are paid in addition to those received from other health insurance policies; this plan does not have to coordinate with other coverage.
- Deductible: zero deductible if you're diagnosed with a covered critical illness after the waiting period. You simply receive a lump sum benefit.
- Covered Critical Illnesses: heart attack, stroke, invasive cancer.
- Benefit Amounts (one-time pay out): $5,000, $10,000, $15,000, $20,000, or $25,000.
- Family Coverage Options: for spouse and children.
1Comprehensive medical coverage may be required in some states in order to apply for or maintain this policy. There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.
Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.
Policies issued by:
2727-A Allen Parkway, Houston, TX 77019
Accident Expense Plus Policy Form Number 07120
Critical Illness Rider Form Number 07121
The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies and riders not available in all states.
American General Life Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers including AGL.
