Hospital Accident Insurance Plan

Be prepared with benefits payable following an unexpected hospitalization

Benefits you can use however you need

Even a short hospitalization can strain your finances. When your family needs it most, you'll appreciate the benefits of hospital accident insurance. This plan is arranged for you by First Citizens and underwritten by Zurich American Insurance Company.

Guaranteed acceptance

There are no medical exams or health questions of any kind.

There when you need it

Use it to pay bills other insurance plans don't cover after a covered hospitalization.

It's your money

Use your benefits for any medical or non-medical expense.

Enroll in hospital accident plan insurance , Opens in a new tab
Get coverage for you and your family Enroll in hospital accident plan insurance , Opens in a new tab

Daily benefits provide financial security for you and your family

Get help when you may need it most

Even with health insurance, you could be left with uncovered bills. If a covered accident puts you in the hospital, these daily benefits could help you pay any bill, medical or otherwise.

Choose individual or family coverage

Get the right level of coverage for your unique situation, whether it's an individual plan for you or one that covers the family.

You can't be turned down

Your acceptance is guaranteed. There are no medical exams or health questions required to get this coverage.

Collect up to $1,800 of benefits per day when hospitalized due to a covered accident

Event

Per Day

Maximum

Intensive care

$1,800

$657,000 for 365 days per occurrence

Hospital confinement

$900

$328,500 for 365 days per occurrence

Emergency room treatment

$450

$450 per accident. No limit on the number of visits.

The family plan will provide coverage for you, your spouse or domestic partner, and all your dependents. Your spouse or domestic partner will receive 50% of the amount listed above. Each dependent child will receive 25%.

FAQ
People often ask us

No. There's no termination age for this hospital accident insurance. However, benefits reduce due to age, beginning at age 65.

The family plan, if selected, will automatically cover you, your spouse or domestic partner, and all your dependent children. Your daily hospital, ICU and ER benefits will be the full amount you've selected on your enrollment form. Your spouse or domestic partner will receive 50% of confinement benefits and each of your dependent children will receive 25%.

No. Medical exams, blood tests or health questions aren't required to get and keep this hospital accident insurance.

Yes. Your coverage is effective 24 hours a day, anywhere in the world.

The Hospital Accident Insurance Plan pays in addition to other benefits you may receive from other plans.

Insights
A few financial insights for your life

Insurance

Choosing the Right Types of Insurance

Find the different types of insurance you need to ensure you have the right protection.
The many different kinds of policies available can loosely be categorized into two main categories: protection of property and protection of life.
Insurance

How Hospital Indemnity Insurance Works

Hospital indemnity insurance can help you cover the gaps in your health insurance.
Many policyholders use hospital indemnity insurance for family planning.
Saving

Preparing for Unexpected Expenses

It can be hard to plan for the future when you don't know what to expect. Here are some tools that can help you lay the right foundation.
Creating a safety net to buffer you from unexpected expenses doesn't need to be difficult, but it does involve planning to cover all your bases.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

This is an accident only policy and does not pay benefits for loss from sickness.

This information is a brief description of the important features of this insurance plan, not an insurance contract. Actual coverage is subject to the language of the policy, including applicable exclusions and limitations and may not be available in all jurisdictions.

Insurance product offered by Franklin Madison Group LLC. For California residents: Insurance product offered by Franklin Madison Insurance Services LLC.

Insurance is underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, 800-987-3373 (NAIC # 16535).

This insurance provides limited benefits and is intended to help supplement Comprehensive Health Coverage. It is not Major Medical or Comprehensive Health Coverage.

Benefits reduce due to age, beginning at age 65.

FMFCBHAPPW-24-01