Health Accident Policy (HAP)

Each and every year, people receive emergency room medical care…. and are hospitalized. HAP helps protect the member against the costs of covered accidental injuries, with a daily benefit to pay toward the substantial out-of pocket medical expenses your member can face even with medical coverage.

This benefit is paid direct to the member - not to the doctor or hospital. The member gets the money. The member decides how it is spent. The plan pays up to $400.00 a day regardless of other coverage they may have. Acceptance is guaranteed for all eligible members at least 18 years old.

The cost for single coverage is only $9.50 per month.
The cost for family coverage is only $17.70 per month.

Highlights

• Emergency Care Benefit - $100 per Covered Accident, Maximum of 4 visits peryear.
• Hospital Confinement Benefit - $200 per day, Maximum benefit period is 12 months per Hospital Stay. Pays up to a maximum of $73,000 limit per confinement.
• Intensive Care - $400 per day for 365 days for a Maximum of $146,000.
• Guaranteed Acceptance for eligible members age 18 and over.
  • Single Coverage is $9.50 per month or $.31 per day.
  • Family Coverage is 17.70 per month or $.59 per day
  • Age 65 through 74 – 50 Percent of benefit amount payable.
  • Age 75 and Older – 25 Percent of benefit amount payable.
  • All Children are covered to 19, 25 if full time student.
  • All premiums are deducted ACH monthly.

For additional information, including online capabilities for credit unions and credit union members, CLICK HERE.