Accidents can happen at any time, often when we least expect it. That’s why having the right accident insurance is crucial for safeguarding both your health and your finances. These plans provide peace of mind by covering unexpected medical expenses, hospital stays and recovery costs, helping you focus on healing instead of worrying about bills. Whether it’s a sudden injury or the aftermath of an accident, having the right coverage ensures you’re protected when life takes an unexpected turn.
Accident Insurance
AD&D Insurance provided by Minnesota Life
Give your family peace of mind and financial security when you supplement your life insurance with additional coverage in the event of an 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 years or older receive $2,000 free coverage and are eligible to purchase coverage up to $300,000.
AD&D Insurance features
- Plan pays within one year of the date of the accident
- Affordable group rates
- 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
- Benefit 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
Hospital Accident Plan (HAP) by CHUBB
Hospital visits are already scary enough, especially when you consider how long you may be out of work and unable to earn income. A Hospital Accident Plan provides cash benefits to those insured in the event of a hospitalization due to a covered accident. You may be asking why you need a HAP when you already have health insurance, but HAP supplements your other coverage plans and pays you cash for each day you are hospitalized.
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
Whether you're in the hospital or recovering from a hospital visit, a Recuperative Care Plan pays a cash benefit directly to you for a covered accident or all sicknesses, even if it's a pre-existing condition, for each day you're in the hospital.
Guaranteed acceptance. No medical exams. No health questions.
Recuperative Care Plan features:
- Up to $300* a day per covered hospitalization due to all sickness - up to $2,100* a week
- Up to $300* a day per covered hospitalization due to any covered accident - up to $2,100* a week
- Pays recuperation daily benefit for the same number of days that the in-hospital benefit is paid for up to 365 days for covered sickness or accident
- Includes family coverage with varying benefits for spouse and dependents
To get started with a Recuperative Care Plan, call 855.624.5178.
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.
AD&D: As with all insurance programs, some exclusions apply. See program’s Insurance Coverage Document for details.
HAP: 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.
Recuperative Care Plan: Terms, conditions, and exclusions apply. See site for details. *$109,500 maximum for 365 days. You’ll receive a $300 lump-sum payment for each day you spend in the hospital ($200 from the plan’s in-hospital benefit plus $100 from the plan’s recuperation benefit). Plan benefit amounts reduce by 50% at age 65. 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.