Protect your pet in case of any unforeseen event
Ensure your financial protection for the well-being and care of your pet.
Plans to ensure your financial protection and pet care.
Cancer, Heart, Stroke & Dread Disease
You choose how to use your Lump Sum benefits and how to address the financial consequences of a cancer and/or heart & stroke diagnosis.
Hospitalization Insurance
Helping patients cope with the two “costs” of hospitalization.
Accident Insurance
The Personal Accident Insurance helps you pay for out-of-pocket expenses and provides benefits to you or your family for many of the accidents that can happen without warning.
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Cancer, Heart, Stroke & Dread Disease
Benefits paid directly to you.
1.8M
It is estimated that over 1.8 million Americans will be diagnosed with Cancer in 2020.
$53,834
The median hospitalization cost for a Heart Attack in the United States is $53,834.
795,000
Every year more than 795,000 people in the United States suffer from a Stroke.
First Occurrence and Cancer and/or Heart & Stroke plans provide an important safety net beyond traditional health insurance. You choose how to use your Lump Sum benefits and how to address the financial consequences of a cancer and/or heart & stroke diagnosis.
We also offers Cancer Care Plus, which provides additional coverage for dread diseases including muscular dystrophy, epilepsy, meningitis, and multiple sclerosis.
Cancer First Occurrence
First Occurrence Benefit offers customizable coverage up to $50,000.
BENEFITS
Lump Sum Benefits up to $50,000
OPTIONAL RIDER
Intensive Care Unit Rider
Cancer and/or Heart Attack & Stroke
Cancer and/or Heart Attack & Stroke offers customizable coverage up to $75,000. Choose Cancer only coverage, Heart & Stoke only, or a combination of both.
BENEFITS
Lump Sum Benefits up to $75,000
OPTIONAL RIDER
Cancer Recurrence Benefit Rider
Heart and Stroke Restoration of Benefits Rider
Cancer Care Plus
Covers expenses related to Cancer and additional dread diseases including muscular dystrophy, epilepsy, meningitis, and multiple sclerosis.
BENEFITS
Ambulance
Cancer Screening Test
Daily Hospital Confinement
Hospice Care
Prescribed Drugs & Medicines
Radiation, Chemotherapy, and Immunotherapy
Surgical Benefit
Transportation & Lodging
OPTIONAL RIDER
First Occurrence Benefit
Intensive Care Unit Rider
Critical Care Benefit Rider
Hospitalization Insurance
For life’s unexpected events.
56%
Approximately 56% of hospital stays in 2012, or 20.4 million hospital stays, were medical.
21.8%
Approximately 21.8% of hospital stays in 2012, or almost million hospital stays, were surgical.
22.2%
Approximately 22.2% of hospital stays in 2012, or more than 8 million hospital stays, were maternal or neonatal.
Helping patients cope with the two “costs” of hospitalization.
There are two costs to major medical insurance whenever you are hospitalized – the health insurance premium and the cost of actually using the insurance.
To help you manage the gaps left by qualified major medical and limited benefit plans, we offers two hospital indemnity plan – Affordable Choice and Central Choice.
Affordable Choice
Affordable Choice provides affordability, accessibility, and flexibility. There are only a handful of medical questions on the application. Plus, you keep your own doctors and can access network discounts.
PLAN BENEFITS
Inpatient benefits.
Hospital admission benefit.
Surgery benefits.
Doctor’s office visit.
Outpatient medical benefits.
Emergency or urgent care.
Cancer benefit.
Prescription benefit.
PLAN FEATURES
$5,000,000 Lifetime benefit maximum.
$1,000,000 Calendar year limit.
No deductibles or coinsurance.
Age-banded prices (rates will not increase annually).
No rate differences between smoker/non-smoker.
Central Choice
Central Choice helps you to fill the gap left open from other products including both qualified major medical as well as limited benefit plans. Designed with you in mind, CentralChoice plans feature a variety of inpatient and outpatient benefits that can be paid to any hospital or doctor. When coupled with MultiPlan providers, additional savings through negotiated discounts may be available.
PLAN FEATURES
No deductibles or coinsurance.
No lifetime maximums.
Guaranteed renewable.
You may seek treatment from any doctor and any hospital.
Plans pay directly to the insured.
BOTH PLANS INCLUDE
Teladoc: 24/7 Physician Consultations (not included in child only policy).
Karis 360: Bill Negotiator, Healthcare Navigator, Surgery Saver (not included in child only policy).
FIRST HEALTH® NETWORK
In addition to payments that help pay for medical services, Affordable Choice helps you get more for your [their] money with the First Health® Network. You get discounted rates on services provided by network providers for inpatient and outpatient services. There are over 1.5 million service locations and more than 810,000 physicians and healthcare professionals in the First Health® Network across all 50 states.
Accident Insurance
For life's unexpected events.
“Accidents happen,” the old saying goes. “You can’t plan on them, but you can plan for them.”
1 in 4
More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.
2.8M
In 2017, approximately 2.8 million nonfatal workplace injuries and illnesses were reported by private industry employers.
61%
Approximately 61% of households facing medical bill challenges report being late on a payment and 56% say they’ve missed a payment.
Plan Benefits
- Accidental Death
- Emergency Dental
- Hospital Admission and Confinement
- Emergency Room Treatment
- Intensive Care Unit
- Coma
- Concussion
- Chiropractic
- Air and Ground Ambulance
- Lodging and Transportation
- Surgery
- X-Rays
Accident insurance plans also include benefits for burns, dislocations, fractures, dismemberment, eye injuries, paraplegia, quadriplegia, rehabilitation unit and major diagnostic exams.
Product Features
- Issue Ages 18 – 64
- Helps Pay for Out-of-Pocket Expenses
- 2 Options: 24-hr, or off-the-job coverage
- Wellness and Disability Riders
- Guaranteed Renewable to Age 70
(Subject to our right to change premium rates)
Benefit exclusions and limitations may apply to the policy. For additional information about PAID accident insurance or any of our other quality products, please contact us.
Discover our other plans
Lifetime Protection and Substitute Guardian
Substitute Guardian
Lifetime Protection
The monthly payment amount varies according to the age of the guardian and the pet.