Accident Covrage
"In light of the recent accident statistics in Canada this year, it's clear that accidents can happen to anyone at any time, making it essential for individuals to prioritize protecting themselves with insurance coverage. By securing adequate protection in advance, you can ensure that accidents won't have a devastating impact on your financial life, allowing you to focus on your recovery and peace of mind."
Hospital Essentials Accident​
Because Accidents Happen
When you suffer an accident, you shouldn’t have to worry about how you’ll pay for added expenses or everyday bills.
The Hospital Essentials Accident plan ...
Pays up to $9,000 a month directly to you, starting with the very first
day you are hospitalized1 due to an accident. Plus pays you a recovery benefit following hospitalization for a minimum of 10 days.
Protects you from any accident whether ...
• In a car, bus, taxi, truck, or train
• On a motorcycle, boat, ATV or any recreational vehicle
• In a private or commercial aircraft
• Hunting, fishing, or participating in any sport or recreational activity
• Fire or smoke inhalation
In Other Words ...
Regardless of your occupation or hobbies, we cover you if you are injured at home, at work, at play, or any activity whatsoever, 24 hours a day, 7 days a week, 365 days a year.
Pays cash directly to you in addition to benefits provided by any other insurance policy, workers’ compensation, or any government employment insurance program.
Benefits of Family Plan:
You Saves you 39% when you cover yourself and your family.*
The HEA plan covers you in Five important ways:
1 | Daily Hospital Confinement
We will pay you starting with the very first day you are hospitalized, anywhere in Canada or the United States, for up to 365 days per accident.
2 | Daily Intensive Care
We will pay you if you are confined to an intensive care unit in Canada or the United States for up to 365 days per accident. This benefit is paid in addition to the Daily Hospital benefit.
3 | Recovery Benefit Following Hospital Confinement
Following hospitalization, we will pay you for a minimum of 10 days, regardless of whether or not you are disabled. That’s $3,000 if you select Plan 3. If you are hospitalized for more than 3 days, we will pay you up to 3 times the number of days you were hospitalized while you are unable to work or perform your usual activities (if you are not employed) due to disability.
4 | Recovery Benefit Following Outpatient Surgery or Fracture
Even if you are not hospitalized, if you have an accident that requires outpatient surgery, or you have a fracture, and you are unable to work or perform your usual activities, we will pay you up to 14 days while you recover.
5 | Ambulance Reimbursement
Even if you are not hospitalized, we will reimburse you for the cost of your ambulance services based on the plan you choose.
How the Hospital Essentials Accident plan will work for you:
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1. Pays cash directly to you to help pay added expenses when you have an accident, such as hospital room upgrades, transportation, hotel, childcare, and more.
2. Pays you for a minimum of 10 days after you are hospitalized to help with items such as loss of income whether or not you are disabled.
3. Pays you starting with the very first day of your accident.
4. Your policy is guaranteed renewable until age 85, at which time it terminates, so your policy will not be cancelled due to the number of claims you file.
5. Gives you peace of mind when you need it most so you can focus on getting better.
6. Benefits may be tax-free.
7. Saves you 39% when you purchase a family plan.*
8. The service, strength, and security of our company has protected generations of satisfied customers since 1922.
Cash is paid directly to you so you can use the cash as you wish to help pay for unexpected expenses like:
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Semi-private or private hospital rooms
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Unpaid medications
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Your family’s transportation to and from the hospital
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Hotel expenses for your family
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Meals
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Childcare
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Parking
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Loss of income while you are recovering yourself or caring for a covered family member
Outpatient Essentials Accident​
Because many accidents don’t require hospitalization.
If you suddenly suffer an accident and you receive outpatient medical treatment—even if you’re never admitted to the hospital—you may need help paying for unexpected expenses and everyday bills.
The Outpatient Essentials Accident plan ...
Pays up to $4,000 per year for outpatient surgeries based on four (4) occurrences per year.
Pays up to $800 per accident for up to 20 prescribed rehabilitative treatments like speech, occupational, and physical therapy. Additionally, reimburses up to $200 as a lump sum for prescribed medical appliances.
Protects you from any accident whether ...
Covers you in any accident whether...
• On a motorcycle, boat, ATV, or any recreational vehicle
• Hunting, fishing, or participating in any sport or recreational activity • Fire or smoke inhalation
In Other Words ...
Covers you regardless of your occupation or hobbies, 24 hours a day, 7 days a week, 365 days a year.
Pays cash benefits in addition to benefits provided by any other insurance policy, workers’ compensation or any government employment insurance program.
Benefits of Family Plan:
You Saves you 36% when you cover yourself and your family.*
2 | Rehabilitative Therapy
We will pay you up to $800 for your doctor-prescribed rehabilitation therapy. ** This includes physical, speech, or occupational therapy treatments.
3 | Medical Appliance Reimbursement
We will reimburse you in cash up to $200 for the purchase or rental of medical appliances like ventilators, crutches, wheelchairs, walkers, nebulizers, etc., if prescribed by a doctor.
The OEA plan covers you in Three important ways:
1 | Outpatient surgery​​
We will pay you up to $1,000 per surgery if you or a family member" requires outpatient surgery.**
How the Hospital Essentials Accident plan will work for you:
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Pays cash directly to you when you need it most.
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Pays cash in addition to other benefits you receive
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Pays you a lump sum for outpatient surgery.
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Pays for doctor-prescribed rehabilitation therapy as well as reimbursement for medical appliances.
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Your policy is guaranteed renewable until age 85, at which time it terminates, so your policy will not be cancelled due to the number of claims you file.
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Gives you peace of mind when you need it most.
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Benefits may be tax-free.
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Saves you 36% when you purchase a family plan.*
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The service, strength, and security of our company has protected generations of satisfied customers since 1922
Cash is paid directly to you so you can use the cash as you wish to help pay for unexpected expenses like:
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Unpaid medical bills and medicines
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Childcare
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Utilities
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Groceries
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Gas
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COMBINED
Income Essentials Accident​
Because Accidents Happen
When you suffer an accident, you shouldn’t have to worry about how you’ll pay for added expenses or everyday bills.
The Hospital Essentials Accident plan ...
Pays up to $2,000 a month for each accident, starting the first day you can't work.
Pays up to $2,000 a month if you are partially disabled for a maximum of 30 days.
If you still cannot work full-time after Total Disability, the Return to Work benefit pays you up to $1,000 for a maximum of 30 days
Protects you from any accident
whether ...
• In a car, bus, taxi, truck, or train
• On a motorcycle, boat, ATV or any recreational vehicle
• In a private or commercial aircraft
• Hunting, fishing, or participating in any sport or recreational activity
• Fire or smoke inhalation
In Other Words ...
Regardless of your occupation or hobbies, we cover you if you are injured at home, at work, at play, or any activity whatsoever, 24 hours a day, 7 days a week, 365 days a year.
Pays cash directly to you in addition to benefits provided by any other insurance policy, workers’ compensation, or any government employment insurance program.
1 | Total Disability
We will pay a benefit directly to you up to $2,000 a month for up to 6 months if your accident results in Total Disability.
2 | Partial Disability ​
We will pay a benefit directly to you up to $2.000 per accident if you should become partially disabled for up to 30 days.
3 | Return to Work
We will pay a benefit directly to you up to $1,000 per accident if vou are partially disabled following Total Disability for up to 30 days.
4 | Return of Premium Rider
​​We will pay you back 50% or 100%** of premium payments, less any claims paid, after the policy and this rider are in force for 20 consecutive years.
The IEA plan covers you in Four important ways:
How the Hospital Essentials Accident plan will work for you:
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Pays benefits directly to you when you need it most.
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Pays in addition to other benefits you receive.
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Protects you with up to six (6) full months of coverage, which increases one month per year for every year in force up to 24 months.
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Affordable protection that helps you take care of yourself and your family.
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Your policy is guaranteed renewable until age 75, at which time it terminates, so your policy will not be cancelled due to the number of claims you file.
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Gives you peace of mind when you need it most so you can focus on getting better.
-
The service, strength, and security of our company has protected generations of satisfied customers since 1922.
Benefits are paid directly to you so you can use the cash as you wish to help pay for unexpected expenses like:
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Loss of income
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Mortgage or rent
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Loan and credit card pavments
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Children's education
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Groceries, utilities
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Household help
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Unpaid medical bills
30 min
