Accident Insurance
What’s covered
Once your coverage goes into effect, you can file a claim for covered accidents that occur after your insurance plan’s effective date. Unless otherwise specified, benefits are payable only once for each covered accident, as applicable. The full list of benefits is listed here. DISLOCATIONS OPEN (SURGERY) CLOSED (NO SURGERY) Hip $4,000 $1,000 Knee or Shoulder $1,000 $400 Ankle or bones of the foot $1,000 $300 Elbow or wrist $800 $400 Collarbone or bones of the hand $1,600 $300 Finger(s) or toe(s) $200 $100 Lower jaw $1,000 $500 FRACTURES OPEN (SURGERY) CLOSED (NO SURGERY) Hip or thigh $3,000 $1,500 Skull-depressed $5,000 $2,500 Skull-simple $2,500 $1,250 Vertebral processes or Rib $1,200 $300 Bones of the face, Upper jaw or upper arm $750 $375 Nose, Heel or Finger $700 $175 Leg, Vertebrae, Sternum or Pelvis $1,600 $800 Lower jaw, Collarbone, Shoulder, Forearm, Hand, Wrist, Foot, Ankle, Kneecap or Elbow $650 $325 Toe $250 $125 Coccyx $400 $200 ADDITIONAL INJURIES Eye Injury - surgical repair $300 Eye Injury - object remove $65 Paralysis—paraplegia $25,000 Paralysis—quadriplegia $50,000 Coma $20,000 Concussion $100 BURNS 2ND DEGREE 3RD DEGREE 20-40 square centimeters $400 $1,000 41-65 square centimeters $800 $2,000 66-160 square centimeters $1,200 $6,000 161-225 square centimeters $1,600 $14,000 More than 225 square centimeters $2,000 $20,000 Skin graft 50% of the applicable Burn Benefit LACERATIONS No sutures and treated by doctor $35 Single laceration under 5 cm with sutures $65 5-15 cm with sutures (total of all lacerations) $250 Greater than 15 cm with sutures (total of all lacerations) $500
10 | Sterling Estates 2025 Benefits Guide
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