Pays the medical cost of an accident up to a maximum you choose, with no deductible and no waiting period — and it pays you, not the hospital.
This product does not constitute comprehensive health insurance coverage (often referred to as, “major medical coverage”). Therefore, this product does not satisfy the requirement of Minimum Essential Coverage under the Federal Patient Protection and Affordable Care Act. For additional information, you can contact us, refer the official federal website at www.healthcare.gov, or call their toll-free number at 800-318-2596.
Fixed indemnity coverage pays set cash amounts when specific things happen — a night in hospital, a surgery, an emergency room visit. It does not pay a share of your bill and it does not cap what you can owe. If you can get comprehensive coverage through an employer, through the Health Insurance Marketplace or through Medicaid, that is a better product than this one and you should look at it first. This exists for the people who fall between those.
This product does not constitute comprehensive health insurance coverage (often referred to as, “major medical coverage”). Therefore, this product does not satisfy the requirement of Minimum Essential Coverage under the Federal Patient Protection and Affordable Care Act. For additional information, you can contact us, refer the official federal website at www.healthcare.gov, or call their toll-free number at 800-318-2596.
This is accident insurance. It pays only for losses caused by an accident and nothing toward an illness. It is not health insurance, not minimum essential coverage, not a substitute for major medical coverage, and not workers' compensation.
It ends before or around Medicare age, and the carrier's own document gives two different ages for that. Accident cover bought to keep for life is a different policy and it is on our supplemental coverage pages.
This is the distinction that decides whether it suits you. The accident policies on our accident insurance page pay a fixed sum for each listed injury — so much for a fracture, so much a night. This one pays what the accident actually cost in medical expenses, up to the maximum you picked, starting at the first dollar. A fixed schedule can pay more than the bill and can also leave a gap; this pays the bill and stops at the ceiling.
There is nothing to satisfy before it starts paying and no period to sit out after you buy it. It covers accidents wherever they happen — with one exception worth knowing before you travel, which is in the exclusions below.
Cover comes through membership of an association, and what you hold is a certificate rather than an individual policy. The insurer is Zurich American Insurance Company; NCD is the brand on the paperwork and is not part of Zurich. All three names are on this page because a claim is the wrong moment to meet one of them for the first time.
And the carrier's own document gives two different ages for that, which is the first thing listed below rather than the last. If you want accident cover to keep for life, the policies on our accident insurance page are issued to 74 and 84 and renew to 80 and for life.
These are not our products and we are not paid if you take one. Price them before you price anything on this page.
The link below goes straight to the company’s own enrolment page, already set to this agency. It answers the two questions this page cannot — whether the plan is sold in your state, and what it would cost at your age — and you can enrol there and then if you like what you see. It takes a couple of minutes.
Nothing changes for you if you would rather we did it with you: the price is the same either way, because our commission is paid out of the company’s filed rate whichever route you take. Call (424) 295-0627 and we will sit and compare them with you. If you would rather know what the plans actually cover before you price anything, that is set out company by company further down.
Every figure below is transcribed from the NCD AccidentPrime product overviews NWFAAPPOB5-25-01, NWFAAPPOB7.5-25-01, NWFAAPPOB10-25-01 and NWFAAPPOB15-25-01. Benefits, riders and amounts vary by state, and the policy issued to you governs.
Not available in Colorado, Hawaii, Minnesota, New Mexico, Utah, Washington. Of the seventeen states this agency is licensed in, those are the ones this policy is not written in.
One page says coverage terminates at age 65. Another page of the same document says benefits decrease at age 65 and coverage terminates at age 70. Both sentences are the carrier's and we are not going to choose between them for you.
Plan on 65. It is the narrower of the two and it is the one printed on the page a buyer reads first — and ask us to get the answer in writing before you buy, because the difference is five years of cover. Either way this is not a policy to carry into Medicare: the accident policies on our supplemental pages are issued to 74 and 84 and renew to 80 and for life.
Accident Medical Expense cover pays the medical expenses of a covered accident up to a maximum per covered person per accident, with a $0 deductible. Four maximums are sold: $5,000, $7,500, $10,000 and $15,000.
This is the opposite design from the accident policies on our supplemental pages, which pay a fixed amount for each listed injury whatever the bill comes to. Neither is better. A fixed schedule can pay more than the bill and can also leave a gap; this pays the bill and stops at the ceiling.
First treatment must be within 90 days of the accidental injury, emergency care within 72 hours of the accident, and the medical expenses must be incurred within 52 weeks of the injury.
Three separate deadlines, and the 72-hour one is the easiest to miss. An injury that seems minor on the day and is treated a week later is outside the emergency care window.
A principal sum of $10,000. Dismemberment pays a percentage of it: both hands or both feet, one hand and one foot, one hand or foot plus the sight of one eye, the sight of both eyes, or speech and hearing in both ears each pay 100%; speech or hearing in both ears 50%; one hand, one foot or the sight of one eye 50%; the thumb and index finger of the same hand 25%; hearing in one ear 25%.
Where a spouse or domestic partner is covered the death benefit is 100% of the member's; where children are covered it is 100% for them too, under the tier selected.
Quadriplegia pays 100% of the principal sum, triplegia 75%, paraplegia 75%, hemiplegia 50% and uniplegia 25%.
Ambulance transport to a hospital or satellite emergency centre within 24 hours of an accident pays $500. Medically necessary emergency treatment within 24 hours pays an additional $300 in cash.
Each is payable once per accident per covered person, to a maximum of two a calendar year.
If more than one covered loss results from the same accident, only one benefit is paid — the largest. Where a single loss is payable under more than one benefit, the most payable in total is the principal sum.
Worth reading twice against the schedule above. The listed percentages do not add up across a single accident.
Cosmetic, plastic or restorative surgery unless medically necessary to treat the injury; anything related to pregnancy unless medically necessary to treat the injury; anything covered by workers' compensation or employer liability law; travel outside the United States; personal comfort items; treatment by a person related to you; dental care unless medically necessary to treat the injury; eye examinations, glasses, contact lenses and hearing aids on the same condition; routine physicals and elective or experimental treatment; medical repatriation; psychological or psychiatric treatment of any kind; custodial services; repairing or replacing existing prosthetics; repetitive motion injuries; and Osgood-Schlatter's disease.
Travel outside the United States is the one most people are surprised by. This pays nothing abroad.
Suicide or intentionally self-inflicted injury; war or any act of war; active military service beyond thirty-one consecutive days; illness or disease however contracted, and the medical treatment of it, except for accidentally eating contaminated food; participation in a felony or an illegal occupation; parasailing, bungee jumping, heli-skiing, scuba diving or anything else reasonably deemed extrahazardous; being legally intoxicated while operating a motorised vehicle; being under the influence of a prescription drug taken other than as prescribed, or of a controlled substance or hallucinogen; a cardiovascular event or stroke caused by exertion before or at the same time as an accident; and alcoholism or drug addiction.
Every tier carries 20% off selected complementary and alternative medicine — acupuncture, chiropractic care, massage, nutritional counselling, meditation and naturopathy — and emergency travel assistance for trips of under 90 days more than 100 miles from home, covering medical evacuation, referrals, repatriation and legal support. From $7,500 up, discounted medical imaging and gastroenterology — MRI, CT, colonoscopy. From $10,000 up, discounted lab tests through DirectLabs. On the $15,000 tier only, steeper chiropractic discounts through Uni-Care: a free initial consultation and up to 40% off diagnostic services.
In the carrier’s own words: “The services described above are not insurance and are not provided by Zurich American Insurance Company.” A discount is not a benefit, cannot be claimed on. They are not part of the policy and no benefit under the policy depends on them. They should carry no weight in choosing a maximum — pick the cover you need and treat the perks as incidental. Emergency travel assistance is not available to members in Connecticut, Florida or New York.
This insurance provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative, it is intended to help supplement Comprehensive coverage. This insurance does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
The Accident Medical Expense and Accidental Death and Dismemberment benefits described above are underwritten by Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC # 16535).
NCD is not a subsidiary or affiliate of Zurich, and use of NCD’s products and services are independent of and not included within the Accident Medical Policy or any other Zurich product or services.
This document provides a general description of certain provisions and features of this insurance program for informational purposes only and does not revise or amend the applicable policies. In the event of a discrepancy between this document and your certificate of insurance or the group policy, the terms of the group policy shall apply.
Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law.
We publish no price for this one. What you pay turns on your state, who is on the plan and which level of cover you pick, so any single figure printed here would be wrong for almost everyone reading it. The link below goes straight to the company, already set to this agency, prices your own situation in a couple of minutes, and lets you enrol there and then if you like what you see.
You are under no obligation to buy through the link, and nothing changes for you if you would rather we did it with you — the price is the same either way, and our commission is paid out of the company's filed rate whichever route you take. Call (424) 295-0627 and we will go through it with you.
Neither, and the honest answer depends on what you are worried about. A fixed schedule pays a known amount whatever happens — if the bill comes to less, you keep the difference; if it comes to more, you are short. This pays the bill up to a ceiling, so it cannot pay you more than the accident cost and it cannot leave you short below the ceiling. People with a high-deductible health plan often prefer this shape, because the thing they are insuring is a specific number. Ask us to put them side by side.
No. Travel outside the United States is excluded from the accident medical expense benefit outright. The membership does include an emergency travel assistance service for trips over 100 miles from home, but that is a service and not insurance, it is not provided by the insurer, and it is not available to members in Connecticut, Florida or New York. If you travel, this is the wrong product to rely on and we will say so.
Three separate clocks, and the tightest one catches people out. Emergency care has to be within 72 hours of the accident. First treatment has to be within 90 days of the injury. The medical expenses themselves have to be incurred within 52 weeks. An injury that seems minor on the day and gets looked at a week later has already missed the first of those.
No, and we would rather say so than let the brochure do the work. The perks do tier up with the maximum — imaging discounts from one level, lab discounts from another, chiropractic from the top one — but they are discounts, not benefits, the carrier says in terms that they are not insurance, and you cannot claim on them. Pick the cover you need and treat the rest as incidental.
The document lists them, which is a pleasant change. Of the seventeen we are licensed in it is not written in six: Colorado, Hawaii, Minnesota, New Mexico, Utah and Washington. California is on the list, which is worth saying because a good many of the products on this site are not written there.
Tell us your state and roughly what you are dealing with. If a Marketplace plan is the better answer for you we will say so — it costs us nothing to be straight about that and it costs you a great deal if we are not.