Colonial’s accident plan features a flexible plan design so that you can choose the coverage
that best meets your individual needs. Coverage is available for both on, and off-job accidents
and several optional riders are available so you can choose any additional protection you
or your family may need. The optional riders provide extra coverage and benefits for expenses
resulting from hospital confinement due to a covered sickness,
specified health screening tests and
disability due to a covered accident or a covered sickness.
Colonial’s supplemental accident plan offers the following types of benefits.
Accidental Injuries Benefits
Coverage for
specific injuries and losses you may suffer in a covered accident
including burns, dislocations and fractures.Hospital Care Benefits
This coverage will help you with the hospital bills and
expenses related to a covered accident. Such expenses include hospital admission, daily hospital
confinement, intensive care, ambulance charges and emergency room expenses.
Accidental Death Benefits
These benefits will help your family meet continuing
needs in case of an accidental death. The death benefit is increased if the accidental death
occurred on a common carrier such as a commercial airplane or subway system.
Supplemental accident insurance is available for you,
your spouse and your family. To apply for coverage you will have to answer a few eligibility questions.
The premiums for Colonial’s accident plans are affordable and will not increase as you get older.
Plus, your coverage is guaranteed renewable for life as long as premiums are paid when they are
due or within the grace period. Your premium can be changed only if we change it on all policies of
this kind in force in the state where the policy was issued.
Colonial’s accident plans are portable. This means that if you change jobs or retire, you can take
your coverage with you. Benefits are paid regardless of any other insurance you may have with other
insurance companies. Your benefits will be paid directly to you unless you specify otherwise.
Optional riders are available at an additional cost.
Policies have exclusions and limitations that may affect benefits payable.
For cost and complete details, please see your Colonial representative.
Applicable to policy form ACCPOL and rider forms R-SHC, R-ASD-R and R-AD, including state abbreviations where used. If you are in Virginia, please read this important
information.
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