Accident
Elmet Technologies offers an accident plan through Chubb to protect you from unexpected accidents that result in medical treatment, as it can be difficult to financially plan for the unexpected. This plan provides a benefit payable according to a schedule, and the funds may be used for any purposes, including helping to pay for medical out-of-pocket costs like deductibles and coinsurance.
This plan reimburses you for your actual medical expenses and the benefit is paid directly to you. Coverage options are available for you, your spouse, and your dependent child(ren). It also includes a benefit for death, loss of limbs, hospital visits, and transportation by ambulance – as a result of a covered accident. Reference the plan summary below for more details.
| Benefit | Accident Insurance Coverage |
|---|---|
| Accidental Death |
Employee: $20,000 Spouse: $20,000 Child: $4,000 x4 for common carrier |
| Accidental Dismemberment |
Loss of hands, feet, sight: $10,000 Loss of fingers, toes: $1,200 Organ Loss: $2,500 |
| Accidental Injury |
Fractures: up to $5,000 Dislocations: up to $3,600 Burns: $750 - $7,500 Concussion: $60 Coma: $7,500 Lacerations: $20 - $300 Eye Injury: $200 |
| Medical Treatment |
Ground Ambulance: $120 Air Ambulance: $1,000 Emergency Room: $75 Urgent Care: $50 Office Visit: $25 X-rays: $20 CT, MRI: $100 Transportation: $300 per trip, up to 3 trips Physical Therapy: $25 per visit, up to 10 visits Chiropractic Care: $25 per visit, up to 3 visits Prosthetics: $500 Medical Appliances: $75 Blood: $200 |
| Hospital |
Standard Hospital Admission: $500 ICU Admission: $1,000 Hospital Confinement: $150 per day, up to 365 days ICU Confinement: $300 per day, up to 30 days Rehab Admission: $500 |
| Other Benefits |
First Accident Benefit: $100 Health Screening Benefit: $100 per person, per year Organized Sporting Activity: +25% benefit, up to $1,000 per person per year |
Health Screening Benefit
The Critical Illness plan includes a wellness benefit of $100 per covered member per calendar year. The benefit covers one test per insured per 12 months.
Organized Sporting Activity Benefit
The Chubb Accident plan pays an additional 25% of the accident benefit to a maximum of $1,000 if the covered accident is a result of an organized sporting activity.
Exclusions
Accidents caused by felonies, substance abuse/drugs, suicide attempt, war, self-inflicted injury, alcohol, infection, dental or plastic surgery for cosmetic purposes, food poisoning, armed forces, aircraft, parachuting, motor vehicle racing/stunts, competitive paid athletic activity, bungee jumping and other activities as described in the certificate.
