Do I have to take a medical exam or answer a lot of health questions?
No. There are no medical questions or physical exams required to qualify.
Hospital Accident Plan Questions
How much coverage can I get? Can I insure my family, too?
You can be covered for $900 per each day of hospitalization; if you are in intensive care, the coverage doubles to $1,800 per day. The emergency room benefit is $450. You may also choose single or family coverage, which protects your spouse and dependent children at a reduced benefit rate. See your Certificate of Insurance […]
If I go to the hospital for elective surgery, can I file a claim?
No. This insurance pays for covered accidents only. Hospitalization due to sickness or disease is not covered.
Can I specify that the payment be paid directly to the hospital or physician?
Yes. You may designate a doctor, hospital, or anyone you choose.
Is the amount paid directly to the hospital or to my physician?
No. The cash is paid directly to you, unless you say otherwise, to spend any way you choose. It’s designed to help defray the cost of hospitalization or the incidentals that result from an unplanned hospital stay.
I have health insurance through my employer. Why do I need the Hospital Accident Plan?
This insurance supplements your other coverage plans. In the event you are hospitalized because of an accidental injury, HAP pays you cash for each day you are hospitalized.
1 2