Accident Insurance
COLONIAL’S ACCIDENT INSURANCE HELPS PAY FOR UNEXPECTED HEALTHCARE EXPENSES DUE TO ACCIDENTS THAT OCCUR EVERY DAY FROM THE SOCCER FIELD TO THE SKI SLOPE AND THE HIGHWAY IN-BETWEEN, AND THEY ARE UNEXPECTED. HOW YOU CARE FOR THEM SHOULDN’T BE.
Accidents happen in places where you and your family spend the most time at work, in the home, and on the playground and they’re unexpected. How you care for them shouldn’t be.
In your lifetime, which of these accidental injuries have happened to you or someone you know?
Sports-related accidental injury
Car accidents
Broken bone
Falls & spills
Burn
Dislocation
Concussion
Accidental injuries that send you to
Laceration
the emergency room, urgent care
Back or knee injuries or doctor’s office
COLONIAL LIFE’S ACCIDENT INSURANCE IS DESIGNED TO HELP YOU FILL SOME OF THE GAPS CAUSED BY INCREASING DEDUCTIBLES, CO-PAYMENTS AND OUT-OF-POCKET COSTS, RELATED TO ACCIDENTAL INJURY. THE BENEFIT TO YOU IS THAT YOU MAY NOT NEED TO USE YOUR SAVINGS OR SECURE A LOAN TO PAY EXPENSES. PLUS, YOU’LLL FEEL BETTER.
What additional features are included?
Worldwide coverage
Portable
Compliant with Health Savings Account (HSA) guidelines
Will my accident claim payment be reduced if I have other insurance?
You’re paid regardless of any other insurance you may have with other insurance companies, and the benefits are paid directly to you (unless you specify otherwise).
What if I change employers?
If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period.
Can my premium change?
Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued.
How do I file a claim?
Visit coloniallife.com or call our Customer Service Department at 1-800-325-4368 for additional information.
BENEFITS LISTED ARE FOR EACH COVERED PERSON PER COVERED ACCIDENT UNLESS OTHERWISE SPECIFIED.
INITIAL CARE
Accident Emergency Treatment……$125 • Ambulance…………………………$200
X-ray Benefit…………………………………….$30 • Air Ambulance………………..$2,000
COMMON ACCIDENTAL INJURIES
Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident.
Burn (based on size and degree).....................................................$1,000 to $12,000
Coma…………………………………………………...…………………………………………..…………….$10,000
Concussion…………………………………………………………….………………………………………………$60
Emergency Dental Work………….$75 Extraction, $300 Crown, Implant of Denture
Lacerations (based on size)..........................................................................$30 to $500
Requires Surgery
Eye Injury……………………………………………………………………………………………………………..$300
Tendon/Ligament/Rotator Cuff………………………$500 - One, $1,000 - two or more
Ruptured Disc……………………………………………………………………………………………………..$500
Torn Knee Cartilage……………………………………………………………………………………………$500
Surgical Care
Surgery (cranial, open abdominal or thoracic)...................................................$1,500
Surgery (hernia)...............................................................................................................$150
Surgery (arthroscopic or exploratory)......................................................................$200
Blood, Plasma/Platelets……………………………………………………………………………..……..$300
Transportation/Lodging Assistance
If injured, covered person must travel more than 50 miles from residence to receive special treatment and confinement in a hospital.
Transportation…………………………………………..$500 per round trip up to 3 round trips
Lodging (family member or companion)...............$125 per night up to 30 days for
a hotel/motel lodging costs
Accident Hospital Care
Hospital Admission*………………………………………………………………...$1,250 per accident
Hospital ICU Admission*……………………………………………………..….$2,500 per accident
*We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.
Hospital Confinement……………………..…$250 per day up to 365 days per accident
Hospital ICU Confinement……………………$500 per day up to 15 days per accident
Accident Follow-Up Care
Accident Follow-Up Doctor Visit………..………………$50 (up to 3 visits per accident)
Medical Imaging Study………………………...……………………………………..$150 per accident
Occupational or Physical Therapy…………..………$25 per treatment up to $10 days
(limit 1 per covered accident and 1 per calendar year)
Appliances………………………..……...……………………$100 (such as wheelchair, crutches)
Prosthetic Devices/Artificial Limb………….………$500 - one, $1,000 - more than 1
Rehabilitation Unit…………………$100 per day up to 15 days per covered accident,
and 30 days per calendar year.
Maximum of 30 days per calendar year
Accidental Dismemberment
Loss of Finger/Toe……………………………………………..$750 - one, $1,500 - two or more
Loss or Loss of Use of Hand/Foot/Sight of Eye…..$7,500 - one, $15,000 - two or more
Catastrophic Accident
For Severe injuries that result in the total and irrecoverable:
Loss of one hand and one foot * Loss of the sight of both eyes
Loss of both hands or both feet * Loss of the hearing of both ears
Loss or loss of use of one arm and one leg or * Loss of ability to speak
Loss or loss of use of both arms or both legs
Named Insured……....$25,000 Spouse…..…..$25,000 Child(ren)..........$12,500
365-day elimination period. Amounts reduced for covered persons age 65 and over.
Payable once per lifetime for each covered person.
Accidental Death
Health Screening Benefit * $50 per covered person per calendar year
Provides benefit if the covered person has one of the health screening tests performed.
This benefit is payable once per calendar year per person and is subject to a 30-day waiting period.
