Accident Insurance
What’s covered MEDICAL SERVICES Diagnostic Exam - Arteriogram, Angiogram, CT, CAT, EKG, EEG, or MRI (1 time per benefit year) Accident Emergency Treatment, non-emergency room (once per covered accident) Physician's Follow-up Treatment office visit (per visit, up to 6 times per covered accident)
$200
$75 $25 $25
Physical Therapy (per visit up to 10 visits per covered accident)
Medical Devices Prosthesis (one)
$125 $500 $200
Blood, Plasma, or Platelet Transfusion HOSPITAL Hospital Admission (once per benefit year)
$1,000
Hospital Confinement (per day up to 365 days per covered accident)
$250
Intensive Care Unit Admission (once per Benefit Year; payable instead of Hospital Admission benefit if Confined immediately to ICU) Intensive Care Unit Confinement (per day up to 30 days, payable in addition to any Hospital Confinement benefit)
$1,500
$500
Ambulance (Ground)
$200
Ambulance (Air)
$1,500
Emergency Room Admission
$150 $100 $600 $150
Family Lodging (per day up to 30 days per benefit year)
Transportation (100 or more miles up to 3 times per covered accident) Rehabilitation Unit (per day up to 365 days per covered accident)
SURGERY Miscellaneous Surgery requiring general anesthesia (not covered by any other benefit)
$300
Open Surgery
$1,250
Exploratory Surgery or Debridement
$300 $300 $625 $625 $625
Laparoscopic Surgery
Tendon/Ligament/Rotator Cuff Tear
Torn Knee Cartilage
Ruptured/Herniated Disc EMERGENCY DENTAL Emergency Dental extraction Emergency Dental crown WELLNESS Wellness Screening Benefit (once per benefit year)
$65
$200
$50
LIFE AND DISMEMBERMENT LOSSES* Accidental Death
$25,000 $100,000
Accidental Death Common Carrier (pays an additional benefit if accidental death occurs while traveling as a fare-paying passenger on a public conveyance) Catastrophic Loss: Both arms or both hands, both legs or both feet, one hand and one foot or one arm and one leg, or irrecoverable loss of sight of both eyes
$15,000
Loss of one hand, foot, leg, or arm
$7,500 $7,500 $1,500
Loss of sight of one eye or loss of one eye
Two or more fingers or toes
One finger or one toe $1,500 *Benefits displayed for life and dismemberment are for the employee only. Spouse benefits are 100% of the employee benefit amount for death and 50% of the employee benefit amount for dismemberment. Dependent children benefits are 20% of the employee benefit amount for death and 50% of the employee benefit amount for dismemberment.
11 Sterling Estates 2025 Benefits Guide |
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