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Policies

Features/Benefits

Needs

Accident

• Emergency Treatment
• Specific-Sum Injuries
• Accidental-Death
• Initial Hospitalization

•  In 2002, about 36 percent of all hospital emergency department visits in the US were injury-related.
• A disabling injury occurs in the home about every 4 seconds. 
• Unintentional injuries are the leading cause of death for people ages 1 to 34 and are the fifth leading cause of death overall.

Cancer/Specified Disease

• First Occurrence Benefit
• Hospital Confinement
• Radiation and Chemotherapy
• Cancer Screening
• Wellness Benefits

•  In the United States, men have slightly less than 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3.
•  Approximately 9.8 million Americans with a history of cancer were alive in January 2001.
•  The five-year relative survival rate for all cancers combined is 64 percent.

Specified Health Event

• Pays a first-Occurrence Benefit as well as Hospital Confinement and continuing care benefits for:  Heart attack & coronary artery bypass surgery, stroke, end-stage renal failure

• About every 26 seconds, an American will suffer a coronary event.
• On average, someone in the US has a stroke every 45 seconds.
• Each year, about 700,000 people experience a new or recurrent stroke.
• Between 50% and 70% of stroke survivors regain function independence.

Dental

• Freedom of choice(Pick any Dentist)
• Pays regardless of any other insurance you may have.
• No deductibles.
• Easy to use.

• Good oral care – including periodic wellness visits – helps reduce the likelihood of expensive treatment later on.
• Fore every $1 spent on prevention in oral heath care, $8 to $50 are saved in restorative and emergency treatment.

Hospital Confinement/

Sickness Indemnity

• Physician Visits Benefit
• Initial Hospitalization Benefit
• Major Diagnostic Exams
• Surgical Benefit

• Illness rather than injury is the leading cause of emergency room visits.
• The demand for coverage that address physician costs for treatment of sickness continues to escalate.