Accidental Death and Dismemberment Insurance Plan
Secure Up to $250,000** in Accidental Death & Dismemberment Cash Benefits to Help Your Loved Ones
What would you do if you or your family needed emergency medical assistance during a road trip or family vacation? It doesn’t matter if you are traveling across the country or across the world, if you have a medical emergency, COA Emergency Assistance Plus (EA+) gives you peace of mind with 24-hour emergency assistance.
EA+ stands as a safety net against emergency medical transportation expenses that your health insurance may not cover, so you can trust us to get the job done. You’ll feel confident knowing that if you are injured or fall ill and require hospitalization, or if lose your medications, Emergency Assistance Plus will be standing by, ready to come to your aid 24-hours a day, no matter where you travel around the world. That’s our guarantee to all COA members.
Don’t face an emergency alone again. COA EA+ steps in to help you with more than 20 emergency and medical assistance services so you have more time to focus on your recovery and not on costs. Some of our key services include: Emergency Medical Evacuation, Transportation After Stabilization and Assistance for Companions.*
Unlike other programs, we work hard to keep our rates low so you can save money for more important things in life. And the best part is… our no-obligation money-back guarantee allows you a full 30-day examination period in case you change your mind about this coverage.
EA+ is the only emergency assistance program that has earned the approval of COA, so you can rest assured this membership will always have your back when a crisis strikes. Wherever you go, Emergency Assistance Plus goes with you. Enroll now and start protecting your loved ones today!
*This is only an outline of the plan’s features. Hospitalization (admitted as an inpatient) is a requirement to be eligible for some services.All services must be arranged by EA+. Please read your EA+ Member Guide carefully to understand all the services available to you, as well as any rules and regulations. Washington state residents must be traveling more than 100 miles away from home to be eligible for EA+ services.
Up to $250,000.00* in World-Wide, 24-Hour Accident Coverage
In your car. At home. On the job. On vacation. You’re protected wherever you go … every minute of every day for covered accidents.
UP TO $250,000.00 IN BENEFITS PAID TO YOUR FAMILY if you fall victim to a covered fatal accident. You could be walking down the street … driving in your car … or taking a cross-country trip. And this COA safety net isn’t just for you.
Of course, your COA Accident benefits are paid regardless of any other insurance you may have. And activating this safety net is easy. There is NO physical exam. NO health questions. NO long forms to fill out. Just tell us which coverage level you’d like and whether you want coverage for “just you” or “you and your spouse” and we’ll get everything set up right away. Spouse receives 50% of the member’s chosen coverage amount, if there are no covered children..
Accidental Death & Dismemberment Reduction on and after Age 70: On the Policy Anniversary Date or next following an Insured Person’s attainment of age 70, his or her amount of Principal Sum will reduce to 50% and upon the attainment of age 75, will reduce to 25%. This reduction will also apply to family coverage.
Family coverage is a percentage of your coverage. The amount of Principal Sum for each of your Covered Dependents is determined below as a percent of your Principal Sum.
|Spouse, but no covered Child
|Spouse and Child(ren)
|Child(ren), no covered Spouse
Your covered spouse may qualify for up to a $5,000 Education Benefit if enrolled in an Occupational Training program within one year of your death. Certain restrictions described in the Certificate apply.
Dependents Education Benefit
Maximum Amount: $5,000
Percentage of Principal Sum: 5%
Minimum Amount: $1,000
*All benefits will reduce to 50% when the insured person attains age 70, and an additional 50% at age 75.
ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT:
If your Injury results in any of the following losses within 365 days* after the date of accident, we will pay the sum shown opposite the Loss in the Loss Table shown below. We will not pay more than the Principal Sum for all losses due to the same accident.
|FOR LOSS OF:
|% OF PRINCIPAL SUM:
|Both Hands or Both Feet or Sight of Both Eyes
|One Hand and One Foot
|Speech and Hearing
|Either Hand or Foot and Sight of One Eye
|Either Hand or Foot
|Sight of One Eye
|Speech or Hearing
|Thumb and Index Finger of Either Hand
*The 365-day loss period for Loss of Life Only is not applicable to residents of Pennsylvania.
Monthly Accidental Death & Dismemberment Insurance Plan Group Rates
|Member & Spouse
Rates and/or benefits may be changed on a class basis.
You will be billed monthly.
*All benefits will reduce to 50% at age 70, and an additional 50% at age 75.
When Coverage Begins
Your coverage will become effective on the first day of the month following the Administrator’s receipt of your enrollment form and first premium payment.
When Coverage Ends
Coverage for you terminates when the Master Policy is terminated, when you fail to pay the required premium, or when you cease to be an Eligible Person. Coverage for your spouse terminates when he/she is no longer eligible due to marital status, failure to pay premiums, or your coverage ends.
The policy does not cover any loss resulting from:
- intentionally self-inflicted injury, suicide or attempted suicide; whether sane or insane (in Missouri while sane);
- war or act of war, whether declared or undeclared;
- injury sustained while in the armed forces of any country or international authority;
- injury sustained while riding On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
- injury sustained while riding On any aircraft:
- as a pilot, crew member or student pilot;
- as a flight instructor or examiner; or
- if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under the policy.
Injury means bodily injury resulting directly from accident and independently of all other causes which occurs while you or your spouse / children are covered under the policy.
Loss resulting from:
- Sickness or disease, except a pus-forming infection which occurs through an accidental wound; or
- medical or surgical treatment of a Sickness or disease;
is not considered as resulting from Injury.
Loss means with regard to:
- hands and feet, actual severance through or above the wrist or ankle joints;
- sight, speech or hearing, entire and irrecoverable loss thereof;
- thumb and index finger, actual severance through or above the metacarpophalangeal joints.
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-8467 as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
COA Group Insurance Program
Hartford Life Insurance Company
Hartford, CT 06155
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company.
AGIA, Inc. is the Plan Administrator and Insurance broker that administers the insurance plan on behalf of the Hartford Life Insurance Company for the benefit of the Group Policyholder. AGIA, Inc. is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company.
John B. Wigle, License No. 0482924
COA Insurance Program Administered by:
PO BOX 9947, Phoenix, AZ 85068
Questions? Call toll-free 1-888-633-6459
Enroll for Accident Insurance Coverage
Your official Certificate of Insurance outlines the full terms and conditions of the COA Accident Insurance plan. You’re under no obligation today because you’re fully backed by a 100% Satisfaction Guarantee.
Underwritten by: Hartford Life Insurance Company, Hartford, CT 06155
Accident Form Series includes 7582, PA-5427, or state equivalent
Not Available in all states
Questions? Call COA’s Customer Service and Claims Phone number at 1 (888) 633-6459.