Accidents can happen at any time, often when we least expect it. That’s why having the right accident insurance is crucial to help safeguard your health and your finances. These plans help provide financial support for unexpected medical expenses related to a covered accident or injury, including covered hospital stays and recovery costs. When life takes an unexpected turn, that extra support can help provide greater peace of mind, letting you focus on healing instead of worrying about bills.
Accident Insurance
Accidental Death & Dismemberment Insurance provided by Minnesota Life Insurance Company
Help give your family peace of mind and help financially when you supplement your life insurance with additional coverage in the event of a covered accident, death or dismemberment. You'll be covered 24 hours a day for accidents that may happen anywhere, whether you’re at work, on vacation or at home.
Southland Members 18 or older receive $2,000 in no-cost coverage paid for by Southland and are eligible to purchase up to $300,000 in additional coverage.1
AD&D Insurance features
- Plan pays within one year of the date of the accident
- Group rates available
- Guaranteed issue, no need to submit health statement
- Dependent children may be eligible for coverage
- Premium is deducted from your Southland Savings Account quarterly
- Member-only or family plan coverage
- Coverage amounts available: $10,000, $25,000, $50,000, $100,000, $250,000 and $300,000
- Coverage is effective approximately 30 days from the date your enrollment form is returned to the Plan Administrator
- Coverage remains effective as long as premiums are paid, the master policy remains in force and your Southland account is maintained
Form number 5896033
Hospital Accident Plan (HAP) by CHUBB
A Hospital Accident Plan provides cash benefits to those insured in the event of a hospitalization due to a covered accident.2 All cash benefits are paid directly to you, in addition to any other insurance you may have, and are yours to spend any way you choose.
HAP features
- Plan pays $900 per day for each day of hospitalization - up to 365 days for any one injury
- Hospital benefit is doubled to $1,800 for each day in Intensive Care Unit (ICU) up to 365 days
- Pays $450 for hospital emergency room as outpatient visit within 72 hours of accident
- 60-day, 100% money-back guarantee for the insured
- Anti-inflation benefit: Coverage increases 10% each year, up to 150%
- Includes family coverage with varying benefits for spouse and dependents
Get Started with HAP
Recuperative Care Plan by CHUBB
Receive cash benefits paid directly to you for a covered accident or all sickness – even a pre-existing condition – paid for each day you're in the hospital.
Recuperative Care Plan features:
- Up to $200* a day per covered hospitalization due to all sickness - up to $1,4003 a week
- Up to $400* a day per covered hospitalization due to any covered accident - up to $2,8003 a week
Guaranteed acceptance. No health exams or questions. You'll be notified by mail when this Member-only coverage is available to you.
Need help with your Recuperative Care Plan provided by CHUBB? Call 855.624.5178 for assistance.
Insurance products offered by Franklin Madison Group LLC and its affiliated companies. 1) are not NCUA insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities.
1AD&D: All coverages reduce by 50% at age 70 and older, regardless of age at enrollment. As with all insurance programs, some exclusions apply. See program’s Insurance Coverage Document for details.
2HAP: This is an accident only policy and does not pay benefits for loss from sickness. This information is a brief description of the important features of this insurance plan, not an insurance contract. Actual coverage is subject to the language of the policy including applicable exclusions and limitations, and may not be available in all jurisdictions. Insurance product offered by Franklin Madison Group, LLC. For California Residents: Insurance product offered by Franklin Madison Insurance Services, LLC. Insurance is underwritten by Federal Insurance Company, a Chubb company. Chubb, PO Box 1600, Whitehouse Station, NJ 08889.
Confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75.
3Recuperative Care Plan: Terms, conditions, and exclusions apply. The daily benefit amounts reduce by 50% at age 65 and by an additional 25% at age 75, regardless of age at enrollment. The family plan protects your spouse and children at a percentage of your coverage amount. This information in this literature is a brief description of the important features of this insurance plan, not an insurance contract. Actual coverage is subject to the language of the policy including applicable exclusions and limitations, and may not be available in all jurisdictions. Insurance product offered by Franklin Madison Group LLC. For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Insurance is underwritten by Federal Insurance Company, a Chubb company. Chubb, PO Box 1600, Whitehouse Station, NJ 08889.