Accident, critical illness and hospital indemnity

Accident insurance

• The benefit for a physician’s office visit related to a covered accident is increasing from $75 to $100
• New $1,200 benefit for admission to the ICU
• Benefits for up to ten ICU or non-ICU hospital stays (up from three stays in 2024)
• New Chiropractic or alternative therapy benefit of $50 per day
• New $950 sacrum fracture benefit
• Outpatient surgery and anesthesia benefit is increasing from $500 to $700

Critical illness insurance

• The benefit for mammography is increasing from $100 to $200
• Coverage for childhood conditions is increasing to add 100% coverage for Type 1 diabetes and PKU and a $3,000 benefit for autism
• Wellness benefits are increasing to add a $100 benefit per calendar year for cytological, DNA stool analysis, HIV – Nucleic Acid Test and spiral CT screening
• New 100% coverage of cardiac arrest
• Benefit for a recurring covered condition allowed 90 days (reduced from six months) after prior benefit payments

Hospital indemnity insurance

• New $100 mammography benefit
• New $1,200 benefit for admission to the ICU
• Benefits for up to ten hospital admissions, hospital stays or ICU stays per calendar year (increased from five per calendar year)
• New Intermediate ICU Step-Down Unit benefit of $100 per each 18-hour period of confinement