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补充计划

意外会发生,但你不必毫无准备。

事故专业系列-金科玉律保险公司

意外会发生,但你不必毫无准备。

如果你在意外中受伤,由黄金法则保险公司承保的事故专业系列可以帮助你。F32意外费用卫队直接支付您与意外伤害相关的合格费用,或一次性支付相关意外死亡或肢解(AD&D)。其他计划增加了重病和疾病住院的保险范围。F33

除其他保险外的其他福利

事故专业系列福利是根据符合条件的费用支付,而不管其他健康保险可能覆盖什么。

直接支付给您的福利

您的支付涵盖了与意外伤害相关的费用,最高可达您的日历年度。

高免赔额的帮助

事故专业系列支付可以帮助你的主要健康保险不包括的那些自掏腰包的费用。

每个计划中的AD&D

意外死亡及肢解给付金额与意外伤害给付金额相同。除了给你或受益人的意外福利外,它还会支付。F34

危重病保险

Accident ProGuard和Accident ProGap计划F33为一些承保条件添加重大疾病福利。严重疾病福利与所选的事故福利级别相匹配。F34

医院疾病保险

事故预测F33增加了一个意外事件的保险范围,即因病住院。如果您生病并住院超过24小时,您将获得一次性付款,以帮助您支付这些费用,每个受保人每年支付一次。

健康保护卫士选择-黄金法则保险公司

看看好处&自信地比较一下

对所有事故专业系列计划都包括广告和开发范围。该保险金额与为该计划选择的意外伤害保险金额相匹配。

“Accident Pro”系列产品的意外和AD&D保险自保单生效之日起生效。如果您选择的保险计划包括重病或住院治疗,那么在大多数州,这些保险都有30天的等待期。

对于符合资格的意外费用,疾病,或住院由于疾病,福利直接支付给你。然后你决定如何最好地使用这些钱来帮助你的处境。


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需要帮助找到适合自己的健康计划吗?请致电我们的一位持牌经纪人:1-800-273-8115

看到计划了吗

准备好看看你的健康计划选项了吗?让我们开始吧。

其他选择

你的健康计划满足你所有的需要吗?寻找医疗保险通常不会提供的帮助。

本保单有免责条款、限制条款、减少福利条款和条款,根据这些条款,本保单可继续有效或终止。有关费用和保险的完整细节,请致电或写信给您的保险代理人或公司,以适用者为准。

www.ambest.com","F82":"UnitedHealthcare Global is part of UnitedHealth Group, Incorporated, a Fortune 10 company. Travel assistance services may be provided by or through UnitedHealth Group entities, and/or the UnitedHealthcare Global brand. SafeTrip Insurance Products are underwritten by U.S. Fire Insurance Company and Crum & Forster Segregated Portfolio Company (SPC), which are not related to UnitedHealth Group, Incorporated or the UnitedHealthcare family of companies.","F83":"UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company is the underwriter and Dental Benefit Providers, Inc. is the administrator of these dental plans.","F84":"Personal insurance is not the same as COBRA, so review your COBRA information carefully.","F85":"A terminated employee may be eligible for continuation of coverage under federal or state law. Check with your former employer.","F86":"Bureau of Labor and Statistics, “Labor Statistics from the Current Population Survey,” 2014.","F3":"2014 Website Functionality Benchmark: US Health Insurance Plan Public Sites, Forrester Research, March 2015.","F4":"The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms.This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.","F5":"Short term health insurance does not qualify as minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Signing up for this coverage may result in a tax penalty. Plans are subject to medical underwriting, and do not cover preexisting conditions.","F6":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F7":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Products vary by state. 7 HealthiestYou is not an insurance product and is provided by Teladoc®.","F8":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F9":"Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F87":"Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.","F10":"THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F18":"Benefits vary by plan. Check brochure for details.","F14":"Murphy, Brooke. 21 statistics on high-deductible health plans. Becker’s Hospital CFO. May 19, 2016.","F15":"Benefitfocus. The State of Employee Benefits: Insights and Opportunities Based on Behavioral Data. Large Employer Edition, 2016.","F16":"HSAs are not available solely in conjunction with fixed indemnity insurance plans. You must have a qualifying high-deductible health plan to qualify for an HSA.","F11":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.","F88":"This product provides limited benefits. This is a supplemental to health insurance and is not a substitute for major medical coverage.","F17":"National Institute of Dental and Craniofacial Research, National Institutes of Health. Retrieved from https://www.nidcr.nih.gov/datastatistics/finddatabytopic/dentalcaries/","F12":"Some states excluded.","F19":"Benefits must be assigned to providers to receive reduced rates.","F20":"2015 Comparative Price Report Variation in Medical and Hospital Prices by Country. International Federation of Health Plans. Retrieved from http://www.ifhp.com/","F21":"All products require separate applications. Separate policies or certificates are issued.","F22":"Intensive care or critical care hospitalization benefits are subject to a 31-day maximum per confinement. If more than one surgery occurs during any given day, the highest tiered amount is paid.","F23":"Available after a 6-month waiting period.","F24":"Drug discount card is for prescription discounts only. This is not insurance.","F35":"To enroll in a Medicare Advantage plan, you must first be enrolled in Medicare Part A and B.","F36":"You must continue to pay your Medicare Part B premium.","F26":"This applies only if you choose a Silver plan on the federal Health Insurance Marketplace or your state's marketplace.","F27":"Premiums do not count toward deductibles. Usually copays do not count toward deductibles. Check your plan brochure for more information.","F13":"Underwritten by Golden Rule Insurance Company.","F32":"THESE PRODUCTS PROVIDE LIMITED BENEFITS. 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This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.","F1":"UnitedHealth Group Annual Form 10-K for year ended 12/31/20.","F37":"This product provides limited benefits. This coverage provides a Term Life insurance policy with an optional Critical Illness Benefit that pays cash benefits for a qualifying critical illness. Term Life SafeGuard is not major medical or comprehensive health insurance and does not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.","F38":"THIS PRODUCT PROVIDES LIMITED BENEFITS. HOSPITAL SAFEGUARD IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. This product provides benefits in a stated amount regardless of the actual expenses incurred.","F39":"Source: American Heart Association, Heart disease and stroke statistics—2016 update: A report from the American Heart Association [published online ahead of print December 16, 2015]. Circulation. doi: 10.1161/CIR.0000000000000350. http://professional.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_480086.pdf.","F40":"Consult your tax advisor; restrictions may apply.","F41":"Gen Re Research. U.S. Critical Illness Insurance Market Survey Summary, Highlights of 2018/2019 Results. Retrieved from https://www.genre.com/knowledge/publications/surveylhci19-en.html","F42":"Diagnosed more than 90 days after effective date to receive full benefit. Benefit is less if diagnosis occurs between 30-90 days.","F43":"Benefits available once every 12 months.","F44":"Product is medically underwritten.","F45":"Optional benefits require an additional premium cost. 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THIS IS AN ACCIDENT POLICY THAT INCLUDES CRITICAL ILLNESS AND ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.","F55":"THIS IS A LIMITED BENEFITS POLICY. IT PAYS FOR BENEFITS FOR CRITICAL ILLNESSES ONLY AND DOES NOT PROVIDE COVERAGE FOR ANY OTHER MEDICAL CONDITIONS. YOU SHOULD MAINTAIN SEPARATE COMPREHENSIVE HEALTH COVERAGE.","F90":"This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year.","F91":"Ingenix, now known as Optum Insight, Inc. (\"Optum Insight\"), is a wholly-owned subsidiary of UnitedHealth Group Incorporated. Under a January 2009 settlement agreement between UnitedHealth Group Incorporated and the New York Attorney General, Ingenix's Databases closed, and United no longer uses any Ingenix Database to pay out-of-network claims."}">

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