Standard Life and Accident

Sometimes clients find themselves at the crucial point of being between coverage options for health insurance. Recent college graduates who are no longer eligible for their parents' insurance, seasonal workers, those who have missed open enrollment, those who have lost their employment or recent retirees who are waiting for Medicare benefits to begin are often on tight budgets. Standard Life and Accident Insurance Company has designed a product to make health insurance affordable for them. Short-Term Medical Insurance is temporary health insurance that pays predetermined fixed benefits for common medical occurrences for a term of up to 364 days. We offer 4 budget friendly plans that pay benefits for things like hospitalization, hospital admission, intensive care, emergency room, doctor visits, lab benefits, accidental death, fracture and burn care, critical illness and more.

The cost of major medical insurance is becoming more expensive. Even when the ACA (Affordable Care Act) imposed a tax penalty for not having health insurance, some people are still choosing to forego coverage due to the expense and incur the tax penalty. Standard Life and Accident Limited Medical Insurance pays fixed benefits for a wide array of health services like doctor office and wellness visits, emergency room visits, diagnostic and lab tests, X-rays, hospital admission, hospital confinement, anesthesia and more. There are even lump sum benefits for cancer, critical illness, fractures, dislocations and burns. Because Limited Medical premiums are relatively inexpensive, the plans can also be used along with a high deductible plan and may help your clients meet their deductibles faster.

Critical Illnesses like cancer, heart attack and stroke don't discriminate and usually strike when least expected. The illness may be unexpected but your clients can be prepared for the financial impact. When someone is sick or recovering from illness or surgery, the last thing they need to worry about is how to pay the bills. Critical Illness insurance from Standard Life and Accident Insurance Company pays lump sum benefits upon diagnosis of a covered illness like cancer, heart attack, stroke and others. There are also Multiple and Recurrence benefit provisions if your clients suffer multiple illnesses or if the same illness returns. And with Critical Illness insurance, your clients can use the benefits however they see fit. The benefits can be used to pay uncovered medical bills or help meet deductibles and pay coinsurance. The benefits can even be used to pay household expenses like mortgage, rent or utility bills, or to take a vacation to help the healing process. There are no limits to how these benefits can be used.