Hospital Accident Plan Insurance
Be prepared with cash benefits following an unexpected hospital stay
Cash benefits you can use however you need
Even a short stay in the hospital can strain your finances. When your family needs it most, you'll appreciate the benefits of hospital accident plan, or HAP, insurance. This plan is arranged for you by First Citizens and underwritten by Federal Insurance Company, a Chubb company.
Guaranteed acceptance
There are no medical exams or health questions of any kind.
Cash benefit plan
Pay bills other insurance doesn't after a covered hospital stay.
It's your money
Use your cash benefits for any medical or non-medical expense.
Daily cash benefits, plus peace of mind 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, the daily cash benefits of HAP insurance 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
Not only is your acceptance guaranteed, but you can also review your coverage for a full 60 days following enrollment, with a 100% money-back guarantee.
Collect up to $1,800 of cash 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 stay |
$900 |
$328,500 for 365 days per occurrence |
Emergency room treatment |
$450 |
$450 per occurrence |