1 Office of Disease Prevention, “2020 LHI Topics-Injury and Violence”, 2020
2 Health Care Cost Institute, 2016 Healthcare Cost and Utilization Report, 2018.
THESE POLICIES PROVIDE LIMITED BENEFITS
Insureds in some states must be covered by comprehensive health insurance before applying for Accident insurance.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations that may affect any benefits payable.
Individual coverage is underwritten by Provident Life and Accident Insurance company, Chattanooga Tennessee. Group coverage is underwritten y Unum Life Insurance Company of America, Portland, Maine or Unum Insurance Company, Portland, Maine.In New York, individual coverage is underwritten by First Unum Life Insurance Company, New York, New York. In New York, group coverage is underwritten by First Unum Life Insurance Company, New York, New York or Provident Life and Casualty Insurance Company, New York, New York.
The base policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
The expected benefit ratio for the individual accident policy is 50% percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
IMPORTANT NOTICE – THE BASE POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.