With advances in emergency medical treatment and trauma care, the likelihood of surviving a critical accident continues to increase. However, there may be an extended recovery period with an injury that is life altering.
Having health insurance is just one part of the protection you need to help you recover. A supplemental insurance plan will help with the out-of-pocket expenses not covered by your health insurance, as well as help with expenses for home modifications or other lifestyle changes required to adapt to a new way of living.
Our Critical Accident Direct supplemental insurance plan is simple and is intended to complement our Critical Illness Direct plan. It pays a lump-sum cash benefit directly to you for qualifying injuries caused by an accident. This money can be used for anything you choose, including expenses health insurance doesn’t pay for, such as your health insurance plan deductibles and co-pays, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses. It’s your money; how you spend it is your decision.
Cash Benefits Can Be Used For
Copays or Coinsurances
Rent or Mortgage
Everyday Living Expenses
How Does Critical Accident Direct Work?
Step 1: Accidents do happen, but they don’t have to drain your finances.
Get an extra layer of financial protection to help with the costs from an extended recovery period.
Step 2: Submit your claim.
Easily check the status of your claim online 24/7.
Step 3: Receive your cash.
It’s your money, you decide how to use it.
Questions about Critical Accident Direct Insurance
Are there any restrictions on how I use the money?
No, you can use the money however you choose. It’s your money, your decision.
Can I still receive money if I am not admitted to the hospital?
Yes. Benefits are paid upon receipt of proof of the occurrence of a qualifying injury within 60 days of an accidental injury.
How do I receive the money?
If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.
How is supplemental insurance different than medical insurance?
When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.
How is supplemental insurance different than my current health insurance plan?
Health insurance plans pay your doctors and hospital. Supplemental insurance from SureBridge pays you. You decide how to use the cash benefits received.
Is supplemental insurance expensive?
SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.
Is the money I receive affected by health insurance?
No. You will receive the lump-sum benefit amount selected in addition to any other insurance benefits you may receive.
Who can I speak with to find out more information?
Call (866) 876-8756 Monday – Friday from 8:00 am through 7:00 pm for more information on SureBridge products.
Why do I need supplemental insurance from SureBridge if I already have medical insurance?
Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.