Accident Insurance is supplemental to your primary health plan that helps you pay for out-of-pocket medical and non-medical costs from an accident or injury. Your plan provides lump-sum cash benefits that are paid directly to you, and not the doctors and hospitals.
Critical Illness Insurance is supplemental to your primary health plan and helps you pay for out-of-pocket medical and non-medical costs resulting from a critical illness diagnosis. Your plan provides lump-sum cash benefits that are paid directly to you, and not the doctors and hospitals.
Hospital Insurance pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy. The plan provides payment for each day spent in the hospital, and for some other qualified expenses as well. That’s money you can use however you choose whether for hospital bills or those other costs that come up while you’re recovering.
Accidents, critical illness diagnoses, and hospitalizations can happen anytime, to anyone and when you least expect them—and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Things like plan deductibles, copays, and out-of-network care can add up fast. Having the financial support you need when the time comes can mean less worry for you and your family.
Yes. EssentialCare Group Accident, Critical Illness, and Hospital Indemnity products are guaranteed issue, which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer. There are exclusions for pre-existing conditions.
No. This coverage will be effective at the beginning of your benefit period as long as you are actively at work. There are no waiting periods to satisfy. Pre-existing conditions may apply; see specific insurance plan for details
No. The option to change your coverage is only available during open enrollment.
Benefits will be paid directly to you, the insured, unless otherwise required by law or otherwise assigned. You can also choose to direct a hospital, physician, or other health care provider to receive your benefits. This is called assigning benefits, and you can do so by signing the appropriate section on the claim form or by signing an assignment of benefits at the health care provider’s office.
Some policies may include a Portability option. See your company’s specific plan features for details.
