Supplemental Health Insurance
When Health Insurance Isn’t Enough
From accidents to illness, we know your health can be unpredictable—and unexpected hospital stays shouldn’t be a drain on your hard-earned savings. A supplemental policy can supplement your existing health insurance policy in the event that you’re hospitalized due to an accident, injury or sickness.
Accident Insurance
Get cash benefits paid directly to you for 50 covered injuries including burns, breaks, dislocations, concussions and more. Plus, receive an extra $1,000 for covered organized sports injuries like sprains, tears, fractures or breaks.- Injury lump sum up to $10,000
- Ongoing care up to $5,000
- Immediate care up to $1,200
- Recovery care up to $1,000
Hospital Accident Insurance Plan
A flat benefit is paid for each covered accident (no sickness coverage)
- $450 per day for Emergency Room Treatment
- $900 per day for Hospital Confinement – limit per occurrence $328,500 per 365 days
- $1,800 per day for Intensive Care Confinement – limit per occurrence $657,000 per 365 days
Put your mind at ease and focus on recovering.
Critical Illness Insurance
Get $10,000 paid directly to you upon each diagnosis1 - cancer, stroke, heart attack, paralysis or coma. Get the financial support you need when it's critical. Benefits reduce by 50% at age 652. As long as you're 64 or younger, your acceptance is guaranteed3.
Coverage Beyond Medical Expenses
Most personal health insurance plans aren’t meant to cover anything outside of direct medical expenses, but we know the costs of a hospital stay reach well beyond healthcare. A supplemental care policy pays you a lump sum based on the number of days you’re in the hospital, and you can use this money to cover any out-of-pocket expenses associated with your stay. This can include monthly bills, recovery expenses or anything else you need.
Insurance products are underwritten by Zurich American Insurance Company, are not deposits of Delta Community Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Delta Community Credit Union and may be subject to risk. Insurance products offered through Members Insurance Advisors, a wholly owned subsidiary of Delta Community Credit Union.
1Requires at least a three-month separation between initial occurrence and recurrence.
2Plan benefit amounts reduce by 50% at age 65 regardless of age at enrollment.
3This coverage includes a pre-existing condition limitation. If a claim is filed within six months of the policy’s effective date, the claim will be reviewed to determine if it’s due to a pre-existing condition. If the condition was present within the six months prior to the policy’s effective date, no benefits will be paid. Upon six months after the effective date, a claim will no longer be reviewed for a pre-existing condition and would be eligible for claims payment.