Imagine a financial tool that:

• Helps cover deductibles, co-pays and other expenses not covered by your primary major medical plan.
• Pays medical benefits to you regardless of other coverage you have.
• Rapidly reimburses you for a wide variety of medical expenses related to accidents.
• Provides lump sum payouts if you're diagnosed with any of three major critical illnesses.

Accidental Injury Insurance + Critical Illness Insurance = Accident Expense Plus

That's Accident Expense Plusýan economical and intelligent way to protect your family from today's high health care costs. Accident Expense Plus provides benefits for a wide range of accident-related costs, from emergency room visits to physical therapy to diagnostic exams even surgery. The "plus" is an optional Critical Illness Rider that can pay a lump sum benefit if you're diagnosed with invasive cancer, heart attack or stroke.

To cope with skyrocketing medical costs, more and more employers and individuals are choosing major medical insurance policies that have increased deductibles and co-pays. While these plans often make health insurance premiums more affordable, they also shift responsibility for a large portion of health care costs to you.

Accident Expense Plus is perfect for individuals and families who would like to experience fewer out-of-pocket medical expenses in the case of an accident or critical illness.

Traditional health insurance plans cover medical expenses, but costs such as insurance deductibles, child care, travel to and from treatment facilities, and short-term home health care must often be paid out-of-pocket by the patient.

We designed CriticalCare Plus supplemental health insurance to help cover the additional expenses associated with a critical illness diagnosis. The benefit is paid directly to you to use as you see fit ý regardless of what is covered by your other insurance plans.