Hospital Accident Insurance Plan
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When an accident puts you in the hospital, you can get...
All benefits
payable directly to you
Simply activate this Hospital Accident Insurance now before a covered accident happens.
This plan is arranged for you by Delta Community Credit Union and underwritten by Zurich American Insurance Company.
Paid to you in addition to any other insurance you may have for each covered accident
Limit per occurrence $328,500.00 for 365 days
Intensive Care Confinement
Limit per occurrence $657,000.00 for 365 days
Let's start by selecting where you live:
Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law.
More reasons to say "Yes" today
Even a short hospitalization can strain a family budget when you've got monthly bills to pay. Spend your cash benefits any way you want. Pay rent, credit card bills, auto loans, and more. When your family may need it most, you'll appreciate the financial helping hand this Hospital Accident Insurance can deliver.
Spend your cash benefits any way you want for
Every penny is paid in addition to other insurance you may have. Hospital cash benefits are
available for $17.65 a month for you alone. Or for $29.95 a month you can cover your family as
well.1 No matter which one you select – all your lump-sum claims checks are payable directly,
to you.
Easy to get. Easy to keep.
60-Day
100% Money Back Guarantee*
Give your loved ones the financial help they deserve.
This is an accident only policy and does not pay benefits for loss from sickness.
Insurance products are underwritten by Zurich American Insurance Company, are not deposits of Delta Community Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Delta Community Credit Union and may be subject to risk. Insurance products offered through Members Insurance Advisors, a wholly owned subsidiary of Delta Community Credit Union.
1 Your spouse or domestic partner will receive 50% of this amount and each dependent children will receive 25%. Please refer to the Summary of Benefits for more detailed information regarding dependent reductions and age reductions.
*If you are not happy with the Hospital Accident Insurance for any reason, and you have not submitted a claim, simply contact us within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.
Benefits reduce due to age, beginning at age 65. Please see Summary of Benefits for details.
Insurance product offered by Franklin Madison Group LLC.
For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC.
Insurance is underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC # 16535).
This insurance provides limited benefits. It is not Major Medical or Comprehensive Health Coverage.
See Summary of Benefits for more information about this insurance plan's costs, exclusions, limitations, and terms of coverage.
Insurance is underwritten by Zurich American Insurance Company.
Zurich North America is one of the largest providers of insurance solutions and services to businesses and individuals. Our customers represent industries ranging from agriculture to technology. Zurich North America is part of Zurich Insurance Group (Zurich), a leading multi-line insurer serving people and businesses in more than 200 countries and territories. Founded 150 years ago, Zurich is transforming insurance. In addition to providing insurance protection, Zurich is increasingly offering prevention services such as those that promote wellbeing and enhance climate resilience.
Enrollment
Are there other ways to enroll?
Simply call 844-515-5873 toll free and a friendly representative will assist you by mailing you the form you need to enroll.
Can I get insurance for my spouse and family, too?
The family plan, if selected, will automatically cover you, your spouse or domestic partner and all your dependent children. Your Daily Hospital, ICU and ER benefits will be the full amount you have selected on your enrollment form. Your spouse or domestic partner will receive 50% of confinement benefits and each of your dependent children will receive 25%.
Do I have to take a medical exam or answer a lot of health questions?
No medical exams, blood tests, or health questions are required to get and keep this coverage.
Coverage
Who provides this insurance?
Coverage is underwritten by Zurich American Insurance Company.
When does coverage begin?
Your effective date will be shown on your Certificate/Policy of Insurance. Please note that your effective date may be delayed depending on the billing cycle of your financial institution. Please be sure to review your Certificate/Policy of Insurance upon receipt to determine your effective date.
Are there any additional benefits?
Inflation Benefit - for each year from the plan effective date, the Insured Person’s Benefit Amount for the Daily Hospital Confinement, Daily ICU Confinement, and Emergency Room Benefit will increase by multiplying the Benefit Amount by 10% for each year of continuous coverage for a maximum of 5 years. This benefit may not be available in all states or certain terms, conditions and exclusions may be different where required by state law.
What exclusions apply?
Exclusions may vary based on your state of residence, and will be outlined in your Certificate/Policy of Insurance.
Who is covered under the Family Plan?
The Family Plan would provide coverage for you, your spouse or domestic partner and all your dependent children, at a percentage of your benefit amount. Please refer to the Summary of Benefits for more detailed information.
Is there an age cutoff?
There is no termination age. Benefits reduce due to age, beginning at age 65. Please see Summary of Benefits for details.
What if I have other insurance?
This insurance will pay all cash benefits due to a covered accident regardless of any other insurance that you may have.
Are on-the-job accidents covered?
Yes. Your coverage is effective 24 hours a day, anywhere in the world.
Who is Franklin Madison Group LLC? Who is fmservice?
Franklin Madison Group LLC is the Plan Administrator for this Delta Community Credit Union-sponsored insurance coverage. Delta Community Credit Union is our client. www.fmservice.com is the members-access website service, sponsored and wholly owned by Franklin Madison Group LLC.
Billing
How will I be billed for my coverage?
The coverage you select will be conveniently billed to the account provided at the time of enrollment.
What day does the premium come out of my account?
About the 5th day of your billing cycle due date.
What if I am not happy with this plan?
You have a 60-Day, 100% Money Back Guarantee. If you are not happy with the insurance for any reason, and you have not submitted a claim, simply contact us within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.
Claims
How do I file a claim?
You can receive and complete our Insurance Claim Forms by calling our Claims Department at 1-800-252-2148. A representative would be glad to assist you in filing a claim.
Why do you need my hospital records to process a claim?
These records are required by the insurance company to verify you were hospital confined and that the primary cause of the hospital confinement was due to a covered accident because this is Hospital Accident Plan insurance.
What if I can't get an accident report?
Submit all information that you have relevant to the accident, including a police report if there is one, and the insurer will contact you if more information is needed.
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