PRODUCT DESCRIPTION INFORMATION

What is this coverage? Can you tell me more about this coverage? What does this cover?

Hospital Accident Protection (HAP) provides cash benefits to the insured in the event of hospitalization due to a covered accident.

RATES

• Single $17.95
• Family $26.95

ELIGIBILITY

• 18 or older and a customer of Truist.
• Dependent children: 19 or under 25 if enrolled in an accredited institution of higher learning.
• No termination age and no age reduction.
• Acceptance is guaranteed – no medical exams or physician statements.

CASH BENEFITS

Hospital Accident Daily Benefit

• • $1,000 Daily Hospital Benefit/$1,000 Intensive Care Unit/$100 Emergency Treatment/$100 Emergency Transportation
  • Pays 100% of daily benefit for each day of hospitalization—for covered injury treated within 365 of sustaining the injury.

ICU Daily Benefit

• • Pays 100% of daily benefit for each day in Intensive Care Unit—for covered injury treated within 365 of sustaining the injury.

Emergency Treatment

• • Pay $100 for Hospital Emergency Treatment as outpatient at Emergency Room or Satellite Emergency Center within 72 hours of accident—up to two ER claims per calendar year.

Additional Features

• • Pay $100 for Hospital Emergency Transportation as outpatient at Emergency Room or Satellite Emergency Center within 48 hours of accident—up to two ER claims per calendar year.

FAMILY COVERAGE

Spouses

• • Emergency Treatment Benefit – $100
  • Spouse with children – 50% of Daily Hospital Benefit
  • Spouse without children – 60% of Daily Hospital Benefit

Dependent child(ren)

• • Emergency Treatment Benefit – $100
  • Each dependent child—20% Daily Hospital Benefit

HYPOTHETICAL or “IS THIS COVERED” SCRIPTING

• IF CUSTOMER WANTS TO KNOW IF SOMETHING SPECIFIC IS EXCLUDED OR WANTS EXAMPLES OF WHAT COULD BE COVERED

“I will be happy to help you better understand the benefits and exclusions of this insurance plan.”

What is covered?

This hospital accident insurance provides a benefit if you are hospitalized due to a covered injury sustained in an accident. Some common types of accidents that may be covered are slip and fall injuries, motor vehicle accidents, and sporting accidents. The facts and circumstances of each claim are thoroughly reviewed to determine whether the injury is a covered loss and whether any policy exclusions apply.

This insurance does not pay benefits for hospitalization due to sickness. Other common exclusions are the use of drugs and alcohol, repetitive stress syndromes, and activities like riding in or flying a private aircraft and drag racing. Each claim is thoroughly evaluated to determine if a benefit is payable according to the terms of the policy. Exclusions vary by state.

Is this (Hypothetical) situation covered? (Follow up – Part 2, if needed)

• IF CUSTOMER WANTS A DEFINITIVE ANSWER AS TO WHETHER OR NOT A SPECIFIC CONDITION IS COVERED

You have really good questions. I do realize you are asking about (HYPOTHETICAL) and it is the carrier who reviews claims and determines whether a benefit is payable. If you have a claim, we encourage you to file it for a formal claim decision. Keep in mind that if the situation you describe is not covered, there are countless, unknown situations that are covered.