Accident Medical Expense

• Supplemental Health
• Accident Medical Expense
• Critical Illness
• Hospital Indemnity

Accident Medical Expense (AME) Reimbursement

As part of an individual supplemental health plan, this coverage may help cover out-of-pocket expenses resulting from an accidental injury.

Accident medical expense reimbursement insurance may help to cover unexpected out of pocket medical expenses in the event of an accident resulting in injury.

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.

Insurance Plans & Benefits

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.

Plans	Benefits
Accident Medical Expense	Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250
Accident Medical Expense and Critical Illness	Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000
Accident Medical Expense	Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250
Accident Medical Expense, Critical Illness, and Hospital Indemnity	Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days
Accident Medical Expense and Hospital Indemnity	Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days

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.

Insurance Rates and Costs

Rates vary by state and age. Contact us and one of our team members would be happy to walk you through several scenarios based on your business and your clients.

For Producers

This product was designed for insurance brokers to offer their clients an additional layer of supplemental health protection, bolstering their existing plan offerings. Powered by our new and innovative technology, quoting and digital marketing is now seamless and adding this product to your portfolio makes sense. We hope you will join us in our quest to change the supplemental health insurance with this product offering, one family at a time.

Enrolling Clients

Our cutting-edge technology empowers distribution partners to seamlessly promote and sell our products. With an innovative Arch APEX digital marketing platform, brokers can tailor proposals within minutes. Clients can then self-enroll or purchase through their broker. Branded to their agency’s identity, our enrollment engine provides a personalized touch point for clients, enhancing trust and engagement. Through digital marketing campaigns and social media outreach, brokers can drive traffic to their branded enrollment link, reaching new customers and growing their business.

Contact us to learn more