Accident Medical Expense

Unlike fixed accident scheduled indemnity plans, which pay a predetermined amount based on the specific injury or service, accident medical expense reimbursement insurance covers actual medical expenses incurred up to the purchased plan limit.

This benefit is designed to help cover medical expenses not covered by major medical that may arise from accidents, such as:

• Doctor’s appointments
• Ambulance services
• Other related medical treatments

Accident Medical Expense Reimbursement is available as a stand-alone product, or we offer plans that include Critical Illness and Hospital Indemnity benefits as well. The plans and options below are available from Arch.

The benefit payable for Accident Medical Expenses is designed to supplement the Insured’s major medical plan. As such, it’s payable on an excess* basis after any insurance available to the Covered Person for the same Covered Loss.

Covered medical expenses include treatment, service or supply that is:

1. Required to treat an Accidental Bodily Injury; and
2. Prescribed or ordered by a Physician or furnished by a hospital including but not limited to:

1. Medical care and treatment by a Physician;
2. Hospital room and board and Hospital care, both inpatient and outpatient;
3. Drugs and medicines required and prescribed by a Physician;
4. Diagnostic tests and x-rays prescribed by a Physician;
5. Transportation of a Covered Person in an emergency transportation vehicle from the location where such Covered Person becomes injured to the nearest Hospital where appropriate medical treatment can be obtained;
6. Dental care and treatment due to Accidental Bodily Injury;
7. Physical therapy, including diathermy, ultrasonic, whirlpool or heat treatment, adjustment, manipulation, massage and the office visit associated with such therapy;
8. Treatment performed by a licensed medical professional when prescribed by a Physician, if hospitalization would have been otherwise required;
9. Rental of durable medical equipment;
10. Artificial limbs and other prosthetic devices; and
11. Orthopedic appliances or braces.

*May vary by state.

Notice: This is a brief description of coverage provided and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage may vary or may not be available in all jurisdictions. In the event of any conflict between this summary of coverage and the policy, the policy will govern. The policy is a short-term policy, with limited benefits. This insurance is not an alternative or replacement to comprehensive medical or major medical coverage. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.