Top FAQs for Accidental Health Insurance Plans
People also ask - Accidental Health Insurance Plans FAQs
What is covered by personal accident insurance?
Personal accidental insurance provides coverage towards death, permanent total disability, permanent partial disability and temporary disability am...Read more
What is not covered or what are the exclusions from personal accident insurance?
Personal accident insurance does not cover natural death, pre-existing injury or disability, childbirth or pregnancy, suicide or self injuries, non...Read more
What are the benefits of buying personal accident insurance?
Personal accident insurance plans provide a lot of benefits. It provides accidental death cover, permanent disability, temporary disability, tax be...Read more
Do I need personal accident insurance?
Accidents can occur at any time and the consequences of accidents can be fatal. Accidents could also leave people disabled and incapable to work or...Read more
Why choose IIFL for personal accident insurance?
IIFL is an insurance marketplace that offers a wide range of personal accident insurance policies. Policy seekers can choose accidental insurance p...Read more
Why should you buy personal accident insurance?
Accidents could also leave people disabled and incapable to work or earn. It is wise to buy personal accident insurance as a financial safety. It i...Read more
How can you claim the benefits of personal accidental insurance?
To file a claim, the policyholder must submit details such as the accidental insurance policy number, the full name of the policyholder, the contac...Read more
How are personal accident plans different from other plans?
Personal accident insurance policies are different from other plans as they provide coverage towards various consequences of accidents such as acci...Read more
What are the documents needed to claim a personal accident?
To file a claim, the policyholder must submit details such as the accidental insurance policy number, the full name of the policyholder, the contac...Read more
What is the eligibility to buy a personal accident insurance plan?
Personal accident insurance plans are available to anyone in the age group of 18 years to 65 years. Some insurers allow policyholders to renew it u...Read more
Accident & Health Insurance | MetLife
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INDEMNITY INSURANCE POLICIES
LIMITED BENEFIT GROUP INSURANCE POLICIES
Accident & Health Insurance | MetLife
There have been several news articles over the last few months detailing how customers of a number of financial services companies have fallen victim to social engineering scams. Scammers impersonate a trusted company to convince their targets into revealing or handing over sensitive information such as insurance, banking or login credentials. This scamming can happen via text, email or websites set up to look like the trusted company.
If your employer offers this benefit, you and your eligible family members can enroll for coverage.* You just need to enroll during your Enrollment Period and be actively working for coverage to be effective.
Accidents and critical illnesses can happen anytime, to anyone, when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.
Yes. These coverages are guaranteed issue, which means your acceptance is guaranteed, regardless of your health.* You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.
* Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.
Personal Accident & Health Insurance | AIG US
Our Accident & Health Insurance plans can help you navigate the financial challenges when the unexpected occurs. Accident & Health Insurance may supplement existing insurance coverage by paying cash benefits for covered losses which may be used to help out out-of-pocket expenses such as: groceries, mortgage payments, medical deductibles or funeral expenses.
Even with life and medical insurance in place, an unexpected death, accidental injury or illness can place a great strain on finances. Our Accident & Health Insurance may supplement existing insurance coverage by paying cash benefits for covered losses which can be used to help out out-of-pocket expenses such as: groceries, mortgage payments, medical deductibles or funeral expenses. So when the unexpected occurs, be prepared with accident and health insurance coverage that may help when needed most.
If you suffer from a covered accidental injury or illness, our plans pay cash benefits, which can be used to pay any expenses you choose, from insurance co-pays and deductibles, to rent, groceries or car repairs.
Our plans pay a benefit if you suffer a covered Accidental Death, Dismemberment, Paralysis or Coma. Benefits can be used to pay for living expenses, college tuition, funeral costs or any other out-of-pocket expenses.
This is a supplement to health insurance and is not a substitute for major medical coverage. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. The above plans are offered by Morefar Marketing, Inc.® (Agency name is shown as Morefar Insurance Agency in CA, under license number 0C91962). The insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), a Pennsylvania insurance company. National Union and Morefar Marketing Inc.® are American International Group (AIG) companies with their principal place of business in New York, NY. Coverage may not be available in all states.
Accident insurance | UnitedHealthcare
Category:
Accident Insurance
Accident insurance from UnitedHealthcare is designed to help cover deductible gaps and daily living expenses with a cash benefit for unexpected injuries.
Why consider accident insurance underwritten by Golden Rule Insurance Company? Because accidents happen when you least expect them. Even with health insurance, the extra expenses from an accidental injury can really add up. Lost wages from missing work, high health insurance deductibles and unpaid bills all affect your lifestyle, home and family. And because 57% of Americans have less than $1,000 In their savings accounts,1 many don't have financial help during times like these.
Edgar's mountain bike ride In the park turns serious when he gets into an accident and fractures his arm. He Is taken by ambulance to the hospital where he has surgery to repair the fracture. His total medical expenses are $7,006.
Edgar has limited savings, but because Edgar has an Accident ProGuard Insurance plan underwritten by Golden Rule Insurance Company, he pays a $250 deductible and then receives $6,756 out of his chosen plan's $10,000 calendar year benefit level to help with his covered medical costs. His savings are not used, and Edgar can pay for the care he needs.
Consider the affect a common accident may have on your financial picture. Because you never know when you or someone in your family could get hurt In an accident, an accident insurance policy, like those underwritten by Golden Rule Insurance Company, can be helpful when the unexpected happens.2
Bundle Accident with other with other supportive health products to provide even greater coverage for you and your family. Consider products like Fixed Indemnity, Dental, Vision, and Critical Illness Insurance as a complement to your supplemental accident insurance plan.
Demystifying Health Insurance - Accident \u0026 Critical Illness
3:56 - 2 years ago
Demystifying Health Insurance Part 4 - Accident & Critical Illness Insurance I've been in the finance world since 1997. Health ...
Buy Top Accidental Health Policies Online In India - IIFL Insurance
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Accident Insurance P
Buy Accident Policy Online which secures you financially against risks in India. At IIFL Insurance compare coverage & premium of accidental insurance online to get your cover.
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Accident and Health Insurance | Zurich Insurance
What is Accident and Health Insurance? Out-of-pocket spending on healthcare in the U.S. has …
What is Accident Insurance?: All You Need to Know | eHealth
Get a deep understanding on accident insurance to better protect yourself in case of an emergency. View our infographic & video on accident insurance.
Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs. Accident insurance can provide protection that fills the gap in coverage between medical insurance and other policies, such as workplace or vehicle insurance.
Personal accident insurance, also known as fixed indemnity insurance, provides protection for the policyholder if they get in an accident. In most cases, an accident is an unintended event that leads to injury. In some cases, someone could be partially or fully liable for causing the accident.
These policies can cover both minor damage and major disabling events. Accident insurance is different from auto, medical, or employment insurance. However, having this other coverage is necessary as well because accident insurance is not a comprehensive policy. For example, it will not cover vehicle damage or liability if you are responsible for an auto accident.
First, you must understand the difference between accident insurance and health insurance. Health insurance covers you for the immediate treatment that you receive after an accident, while accident insurance covers any financial burden that you incur due to the accident. This can include copayments in hospitals, physiotherapy, other services not covered by your health insurance, and any out-of-pocket expense from the accident.
One of the biggest advantages of accident insurance is that payouts come in cash, which can relieve the financial burden you experience after an accident. Furthermore, there isn’t a waiting period, so you get the money immediately.
The 5 Best Personal Accident Insurance of 2022
Don’t let an accident financially ruin you. We researched the best personal accident insurance policies based on plan types, pricing, coverage, and more.
Mary is a journalist with 14+ years of professional writing experience, her work has been published internationally by Forbes, HuffPost, Business Insider, The Points Guy, AOL, and SheKnows. She is an expert on small business and personal finance.
Eric is a duly licensed Independent Insurance Broker licensed in Life, Health, Property, and Casualty insurance. He has worked more than 13 years in both public and private accounting jobs and more than four years licensed as an insurance producer. His background in tax accounting has served as a solid base supporting his current book of business.
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Every year, there are 35 million visits to the emergency room (ER) related to injuries, according to the Centers for Disease Control and Prevention. And just one visit to the ER can cost anywhere between $150 and $3,000. That's one of the main reasons people get personal accident insurance—to help cover the cost of medical bills.
Accident Insurance Plan | Why Do I Need Accident Insurance?
Category:
Is A Supplemental Insurance Plan That Pays A Benefit If You Get Hurt
Why do I need an accident insurance plan? How can I find an accident insurance plan? Get these answers and a free Accident Insurance quote at Guardian Direct. Get the coverage you need today.
Nobody plans for an accident to happen, but they are more common than you might think. In fact, over 35 million people each year are treated in an emergency room for an injury related visits.¹ These injuries, can be severe, like a broken bone or severed limb, or minor like sprain or cut. Regardless of the injury, you can be left footing a hefty medical bill if you are relying on health insurance alone.
Health insurance is essential and will typically cover the bulk of the cost if you get sick or are injured; however, it often comes at the expense of a high deductible. The out-of-pocket costs of your health insurance by themselves may be difficult to pay, however, if you are injured you might also have to miss work, which typically means losing out on pay. While you or a family member recovers from an accidental injury, items like childcare, mortgage payments, and even groceries still need to be paid. Your health insurance typically will not cover these costs. Supplemental Accident Insurance can help you minimize all of these costs and typically pays a cash benefit directly to you so that you can focus on your recovery.
Accident insurance is a supplemental insurance plan that pays a benefit if you get hurt unexpectedly. Your accident insurance benefit allows you to defray the out-of-pocket cost of your deductible as well as non-medical costs that you may need help paying such as your mortgage, childcare, or even groceries.
Supplemental accident insurance and health insurance function very differently from one another. With health insurance you are covered for a number of health issues that accident insurance typically doesn’t cover, such as sicknesses, chronic issues, or disease. Supplemental accident insurance, on the other hand, is designed to help you cover out of pocket costs a-sociated with accidental injuries.
Although your health insurance will typically cover a good portion of your medical costs, it doesn’t cover everything. You still will need to pay your deductible and a percentage of the cost on top of that until you reach our out-of-pocket maximum. Another consideration is that health insurance only covers medical expenses, it does not cover bills, or childcare cost. Accident insurance can be used to help cover anything that you need it to so you can put the benefit towards what you need the most.
Group Accidental Injury Insurance | Cigna
Help protect your employees from unexpected expenses with Accidental Injury insurance. Find voluntary coverage that works for your organization.
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Nobody wants to think about accidents. But when something happens, you want to help your employees focus on getting better, and worry less about medical bills. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation and childcare can quickly add up. Supplemental health benefits such as accidental injury coverage can offer a cost-effective solution to provide the additional coverage employees and their families need to bounce back from a health setback so they can be whole again – body, mind and wallet.
Cost-effective coverage. Benefits are offered on an employee-paid and employees sign up at economical group rates, so they typically pay less for coverage than if they tried to purchase coverage individually.
Maximize employee benefit payments with Cigna Simple File®.Auto compare* – For customers who also have Cigna’s medical coverage, we carefully review Cigna medical claims and remind customers to submit their eligible accidental injury, critical illness, or hospital care (indemnity) claim.Auto claim* – For customers who also have Cigna's disability, life and/or accidental death and dismemberment (AD&D) coverage – we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.Convenience. No copays, deductibles, coinsurance restrictions or network requirements to worry about, and premiums are deducted from employee paychecks.
My Secure AdvantageTMMy Secure Advantage is a full service financial wellness program that offers solutions to all types of personal financial challenges. The program includes access to expert "money coaching" for many types of financial needs, identity theft resolution and protection, online will preparation, educational webinars, access to a library of financial tools, forms and tips, and more.
Accident Plan | NC Office of Human Resources
The Accident Plan through Voya became available 1/1/2018 For most accidents it should fill the gap and cover most of the State Health Plan out-of-pocket cost
Fraudulent activities should always be reported to your local law enforcement office. The following is additional information on how specific types of fraud complaints or cases of suspected fraud can be submitted to state agencies.
Personal Accident Insurance: Accidental Insurance Plan Online
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SBI General Insurance
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SBI General Insurance. Individual Persona
l Accident Plan. 18 - 65 years. 1 year. 1 - 10 …
Accident Insurance - What Is It | Anthem
Category:
Accident Insurance Plan
When they do, a supplemental
accident insurance plan helps protect your finances until you are …
Do You Need Accident Insurance If You Already Have Health Insurance
Category:
Health Insurance
Accidental Insurance
If you already have health insurance, purchasing accident insurance coverage is strongly advised to fill the gaps of health insurance. Learn why.
No one wants to get into an accident, but the truth is that they occur more often than we’d like to admit. Whether you have health insurance or not, almost no one who experiences an accident is prepared for the financial burden of unexpected medical expenses.
Many individuals believe that their health insurance covers everything when they get injured in an accident. But this isn’t always the case, which is why having sufficient insurance coverage is so crucial.
Health insurance plans only cover some medical expenses and hospital-related costs. In contrast, an accident insurance policy helps pay for various injury-related costs, including death. Accident coverage helps safeguard you and your family from the unexpected.
So, even if you already have health insurance, purchasing accidental insurance coverage is strongly advised. Read through what exactly accident insurance is, how it works, and what you can expect from the coverage.
Understanding Accident InsuranceAccident Medical Expense AdvantagesHow Accidental Insurance Coverage WorksWhat Accident Medical Insurance Does and Does Not CoverWho Should Consider Accidental Insurance ProtectionFinding the Right Accident Insurance PolicyDifference Between Traditional Health Insurance and Accidental Medical InsuranceHow Accidental Medical Expense Coverage Compares to Other Supplemental PoliciesWhat Happens if You Don’t Have Supplemental Accident InsuranceHow Much Accidental Medical Payment Coverage is EnoughWhat You Need to Make an Accident Insurance ClaimHandling Accidental Medical ExpensesClosing Thoughts on Accident Insurance
Accident Injury Insurance | UnitedHealthOne
Give yourself added help if you’re hurt in an accident. Adding accident insurance to regular health insurance can mean cash benefits for accidental injury bills.
CareCredit is offered through Synchrony Bank, who is not an affiliate of UnitedHealthcare and we are not a vendor of Synchrony. By clicking this link to apply for CareCredit you are moving to a 3rd party website. No line of credit is being provided by Golden Rule Insurance Company or by any UnitedHealthcare legal entity.
When you’re injured unexpectedly, the bills can add up. UnitedHealthcare branded Accident SafeGuard plans can help with fixed payments based on covered medical services you receive after an accident.F32 You can choose from multiple plans to find the balance of coverage and cost that works best for you.
Accident SafeGuard plans don’t require you to stay in a network. You’re paid the same no matter what doctor or health care facility gives you care. Note: If your main insurance plan has a network, you may want to stay in that network to get the most out of your insurance.
Yes. Accident Safeguard plans include coverage for accidental death with benefits paid to your designated beneficiary. Accidental dismemberment benefits pay as a percentage of the plan’s accidental death benefit. See the plan brochure for more information.
These policies have exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable.
Best Accidental Insurance Plan That You Should Buy
Category:
Accidental Insurance Plan
Accidental insurance plan offers financial protection to the insured/family in case of any accident resulting in bodily injuries, death, and total/partial disabilities. The personal accident reimburses medical expenses and protects your family money-wise
Personal Accident Insurance policy covers you in case of an unfortunate accident that may be deadly or cause disability/mutilation. Accidents caused by air/road/rail, accidents due to falling, fire, collision, drowning and other such fateful events are covered under this policy. Accident insurance plan makes sure that you are covered not only with regards to medical expenses but also for the loss of income that might occur because of the accident. Other miscellaneous expenses may also be covered under such plans.
Insurance Plan
Plan Basis
Entry Age
Apollo Munich Individual Personal Accident Standard
Individual and Family
Minimum - 91 daysMaximum – 69 years
Bajaj Allianz Premium Personal Guard Plan
Individual and Family
Minimum – 5 yearsMaximum – 65 years
Bharti AXA Smart Individual Personal Accident
Individual only
Minimum – 18 yearsMaximum – 70 years
Star Health Accident Care Individual Insurance
Individual and Family
Minimum – 5 monthsMaximum – 70 years
Care Secure Personal Accident Insurance
Individual
Minimum - 91 daysMaximum – 70 years
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
Supplemental Health Plans | Cigna
Learn how Cigna Supplemental Health Plans can provide additional financial protection for unexpected events such as critical illness and accidental injury.
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A serious illness or injury may not be just a physical setback. It can also disrupt your mental, social, and financial well-being. Our Supplemental Health Plans provide personalized support to help you during your recovery.
Cigna's Accidental Injury insurance pays you (or whoever you designate) for treatments or injuries resulting from a covered accident. It can help you pay for expenses while you're recovering from an accident such as rehabilitation, transportation, child care, travel or other out-of-pocket expenses that are not covered by your primary health insurance.
Cigna's Critical Illness insurance can help provide you and your family with the additional financial protection you may need for expenses a-sociated with an unexpected covered critical illness. Cigna Critical Illness insurance pays you, or whoever you designate, a lump-sum benefit for diagnosis of a covered critical illness or specified event such as a heart attack or stroke. It can help you pay for expenses such as travel, room and board, transportation, child care or treatment options not covered by primary insurance.
With Cigna's Hospital Care Insurance, benefits are paid after a qualified hospitalization1 resulting from a covered injury or illness. You can use the money however you'd like.2 It can help you pay for expenses such as child care, travel, or other out-of-pocket expenses.
Do I Need Accident Insurance - All Insurance FAQ
Category:
Accident Insurance
Yes! While health insurance is meant to cover the hefty hospitalisation bills, personal accident insurance helps to fill in the potential gaps of health
Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs.
You might be thinking that personal accident insurance is not necessary, especially if you already have health and life insurance. But in fact, it is complementary rather than excessive, as personal accident insurance provides some benefits that your health and life insurance plans might not.
In such scenarios, a personal accident plan will be able to protect you from accident-related medical bills as well as provide compensation to make up for lost wages. This is through paying a daily hospitalisation benefit and/or a lump sum payout.
A personal accident insurance policy is a type of general insurance that provides benefits in the case of accidental death, disability and injury. The benefits usually cover all phases of suffering an accident, from evacuation to hospitalisation and treatment, rehabilitation and recovery.
That's not all. If you're hospitalised due to an accident, Dengue Haemorrhagic Fever (DHF) or food poisoning, Essential Protector Plus also offers a daily hospital income benefit, which will help make up for loss of income while you recover.
Supplemental Medical Accident Insurance - AutoNation
Category:
Accident Insurance
When an accident that leads to injury occurs, you receive a cash benefit to use as you see fit, no matter what your medical plan covers.
Supplemental Medical Accident Insurance Coverage, from Aetna, helps cushion the impact of an accident by providing a cash benefit you can use for copays, deductibles, non-medical bills and other expenses your medical plan and other insurance does not cover.
When an accident that leads to injury occurs, you receive a cash benefit to use as you see fit, no matter what your medical plan covers. You can purchase coverage for yourself, you and your dependent children under age 26, you and your spouse, or you and your family – to meet your needs and budget:
For example, if I am in all three plans, and I also have my spouse in all three plans, and we complete 1 health screening each that qualifies for the benefit (such as the MSRP Biometric Screening), we can submit a claim and we would each $300 in health screening benefits for that year.
Below you will find additional b-ttons that house resources such as an overview of the plan, a member story to outline how the benefit works, frequently asked questions (FAQ’s), and more.
Accident Insurance | Aflac
Category:
Health Insurance
Accidents happen. Aflac accident insurance coverage can ensure you don't have to pay out-of-pocket expenses. Get an accident insurance quote from Aflac today!
Accident insurance policies1 help provide support when life’s most
unexpected moments arrive. Supplemental accident insurance is
meant to be purchased in addition to your primary policy. It
helps pay the bills that your major medical insurance doesn’t
completely cover.
This helps provide peace of mind when new and unexpected injury costs
occur. Aflac works by paying benefits regardless of
your current plan. This gives you extra support and financial
relief during these covered accidents.
When a accident occurs, there can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless a-signed), which can be used for any of these services:
Aflac’s accidental injury insurance helps cover a wide span of
events, from emergency situations to more common accidents.
On one side of the spectrum, we provide coverage for burns,
comas, paralysis, concussions, dislocations, and
lacerations. While crisis injuries can occur, there are a
laundry list of common injuries that need attention too.
Aflac also helps cover fractures, broken teeth, eye
injuries, and pain management, like epidurals.
There are many additional costs on top of treating the
injury that may not be covered under your primary medical
coverage. Aflac can help pay for ambulance trips, physical
therapy, CT Scans, MRIs, confinement, blood transfusions,
and medical appliances.
Monte has a standard health insurance plan with a $500
deductible. He has a small cushion in his bank account saved
for a rainy day. He considers himself a graceful guy but
found himself tripping and tumbling down a flight of stairs,
breaking his leg. After an ambulance picked him up and
performed a few tests, the doctor recommended 3 months of
physical therapy.
His total medical expenses came out to $7,274.2 After filing
a claim with his initial insurance, he still owes over
$2,910.† With Aflac’s accident plan, Monte receives
$2,4353 in cash benefits to help lower that
burden. Aflac’s personal injury insurance helps Monte keep
his rainy-day fund looking sunny.
Accident Insurance | The Hartford
The Hartford's Voluntary Accident insurance supplements your employees' insurance at low group rates with little or no direct cost to your company.
Accident insurance (AI) helps protect your employees against the financial burden that accident-related costs can create. Accident insurance complements other benefits, including traditional healthcare insurance. When combined with Critical Illness or Hospital Indemnity insurance, AI offers employees an affordable, complete benefits package with the option of little or no direct cost to your company.
Accident insurance helps relieve financial strain for employees in the event of a covered accident. Claims payments are made in lump sums for eligible services provided as the result of an accident.
Nearly one in three U.S. families choose not to seek medical care due to cost.1 AI can help alleviate those costs, because it’s important that employees have the coverage they need to protect themselves and their loved ones.
3 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and a-sumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
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