Short Term Medical Plan Features

Additional Plan Features

Accidental Death Benefit
How This Benefit Works
We will pay the benefit shown below if all of the following conditions are met:

  1. The member’s death results from an accidental bodily injury (as defined in your policy):
  2. The accidental bodily injury occurs while insured under the policy; and
  3. The death occurs within 365 days after the date of the accidental bodily injury.

Once satisfactory proof of death by accidental bodily injury has been submitted, we will provide the following benefit:
For the Primary Insured (age 18 or older) – $25,000
For the Covered Spouse or Covered Domestic Partner – $25,000
For the Covered Dependent Child (and Primary Insured under age 18) -$ 5,000

Exclusions
The policy does not cover accidental death resulting from injury caused by, or occurring as the result of:

  • Suicide, intentionally self-inflicted injury, or any attempt to injure oneself, while sane or insane;
  • Active participation in a violent disorder or riot. “Active participation” does not include being at the scene of a violent disorder or riot during the performance of official duties;
  • Insurrection, war or any act of war, whether declared or undeclared;
  • Injury suffered while serving in the armed forces of any country;
  • Committing or attempting to commit an assault or felony;
  • Any illness or pregnancy existing at the time of the accident;
  • Voluntary use or consumption of any poison, chemical compound or drug, except a prescription drug used or consumed in accordance with the directions of the prescribing physician;
  • Heart attack (including but not limited to myocardial infarction) or stroke (including but not limited to cerebral infarction);
  • Diagnostic test, medical or surgical treatment; or
  • Bodily infirmity or disease from bacterial or viral infections, other than infection caused from an injury sustained while insured under this benefit