Limited Accident and Sickness Insurance
Employers are continually challenged by the need to contain insurance costs for their employees. Many recognize that some classes of employees – hourly workers, retail stock or sales employees, restaurant workers and certain health care professionals – either do not stay long enough or work enough hours to qualify for traditional health insurance benefits. ACE USA Accident & Health offers a solution to the health insurance gap for a wide range of employers who are unable to offer major medical or managed care plans to all employees. ACE’s limited accident and sickness fixed indemnity plans, designed for affordability, offer coverage for the basic health benefits most individuals need most – doctor’s visits, diagnostic lab fees, short hospital stays and other indemnity benefits.
Benefits:
- Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
- Global Protection: The ACE global network can satisfy the insurance needs of companies operating worldwide.
- Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor's are an indication that we are financially strong and able to meet our obligations to our customers.
- Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.
Coverage:
- Standard plan includes office visits, diagnostic services, laboratory, hospital indemnity, intensive care unit, and AD&D
- Additional benefits may include wellness, surgery, physical therapy, inpatient mental health, critical illness, prescription drug or vision benefits
- Able to package limited accident and sickness indemnity plans with other accident medical benefits, supplemental AD&D or dental plans
- Preferred provider plans available to maximize benefit dollars
- Guaranteed acceptance regardless of medical history or current state of health
- Convenient payroll deduction makes it easy to apply and administer the program
- Weekly pay and continuation options make it easy to go in and out of coverage or continue coverage when an employee is no longer working for the group sponsor