3-in-1 Combined Protection
🛡️ Three Protections, One Policy, One Bill
Accident, critical illness, and accidental death & dismemberment — bundled into a single plan with no doctor network to worry about.
🧩 What’s actually bundled into this plan?How It Works
Accidental Injury Reimbursement, Critical Illness Cash Payouts, and Accidental Death & Dismemberment (AD&D) — three coverages, one policy, one monthly bill, paid directly to you regardless of what other insurance you carry.
⚖️ How is this different from buying them separately?Compare
| Feature | Standalone Accident | Standalone Critical Illness | 3-in-1 Combined |
|---|---|---|---|
| Accidental Injury Care | Included | Excluded | Included |
| Critical Illness (Cancer/Stroke) | Excluded | Included | Included |
| AD&D (Death & Dismemberment) | Excluded | Excluded | Included Automatically |
| Policy Management | Separate Policy | Separate Policy | 1 Policy, 1 Bill, 0 Fees |
| Provider Network | No Network Required | No Network Required | No Network Required |
➕ What does the AD&D piece actually cover?AD&D
A lump-sum cash payout to you or your beneficiary for a fatal accident, or a severe injury resulting in the loss of a limb, eyesight, speech, or hearing — automatically included, no separate application.
👪 Who can enroll?Eligibility
Guaranteed issue options, ages 18 to 64 years 11 months, dependents to age 26, composite family rates, $0 application fee, and no provider network restrictions anywhere in the country.
⚠️ What this doesn’t replaceFine Print
This is a limited-benefit supplemental policy, not major medical insurance, and it doesn’t satisfy ACA Minimum Essential Coverage.