Essential Health features insurance benefits that can help you pay expenses for covered events due to accident or illness*. You also have full access to a non-insurance Essential Health Discount Plan, which allows you to save up to 5-60% on physician care, vision, prescriptions and more*

All benefits are paid directly to you or whomever you choose. This means you can use the cash benefits you receive from this plan any way you wish. There are no deductibles or co-pays, and no restrictions on hospital providers to receive the insurance benefits.

Unlike many plans, Essential Health provides benefits on the first day of hospitalization due to covered accidents (up to $400/day up to 365 days) and from the first day of hospitalization lasting 3 days or more due to covered illness (up to $200/day up to 365 days). And, you can’t be turned down if you’re aged 18-65.

You can also receive benefits out of the hospital, too: starting at $50 per each doctor visit (3 visits per year) and up to $300 per each Emergency Room accident visit (up to 4 visits per year).

Best of all, your coverage amounts automatically increase 2.5% of the original benefit amount,every 3 months – with no increase in premium – for ten years, regardless of whether or not you’ve used your coverage.

You can be covered for a long-term hospital stay, too. The plan provides a single lump sum benefit in addition to your daily cash benefits: $5,000 after a 30 consecutive day inpatient hospital stay; or $10,000 after 60 consecutive day inpatient hospital stay or $25,000 if you’re still in the hospital after 90 consecutive days.

If you do not have traditional medical insurance, Essential Health can be an affordable way to help provide some insurance benefits against the high cost of medical care. For example, if you are hospitalized due to a covered illness you will receive $200 a day up to /$6,000 a month to help cover expenses, PLUS a lump sum benefit of $5,000 to $25,000 based on the length of your hospitalization after 30 days.

Please note that benefits are reduced by 50% for covered accidents or illnesses occurring at age 70 and older.

2. You can worry less about hospital bills. Your available daily insurance benefit amount starts at $400 a day for hospital stays due to a covered accident and $200/day beginning with the first day for hospitalizations lasting 3 or more days due to a covered illness. Emergency room visits due to covered accidents are $300 per accident visit , maximum of 4 visits per year for individual, 6 visits per year for family.

3. Benefits include doctor visits, too. The plan pays benefits out of the hospital too: Starting at $50/doctor visit (3 visits per year) individual, 5 visits per year family.

4.Your coverage amounts automatically increase every 2.5% of the original benefit amount, 3 months (with no increase in premium!) for ten years – regardless of whether or not you’ve used your coverage.

How your coverage amounts G R O W…

5. Since this is not traditional health care insurance, there are no deductibles, co-payments, referrals or pre-approvals.

6. You’re covered for extended hospital stays, too.

Unlike many plans, Essential Health provides benefits on the first day of coverage for covered accidents. Coverage for hospital stays due to covered illness begin 3 consecutive Day(s) of Medically Necessary Confinement due to that Sickness, retroactive to the first Day of Confinement. Illness benefit coverage terminates at age 75.

7. You can cover yourself or your whole family. You can get coverage for just yourself or include your spouse and eligible dependent children. Benefit amounts for dependents are lower than the primary insured's benefit amounts. Either way, you pay one monthly rate that does not increase due to changes in your health or how many claims you submit: INDIVIDUAL PLAN $31.95/month FAMILY PLAN $47.95/month

8. You get more of the features you want. We listened when our customers told us they want: * Cash benefits paid direct to you or whomever you choose * Benefits paid in addition to any other insurance you have * No restrictions on hospitals or doctors

9. You can change your mind. If you’re not 100% satisfied with your coverage, you can cancel at any time. No additional premiums will be charged.

* Please note: the Discount Medical Plans are not health insurance. Savings are based upon a comparison of national average negotiated network provider discounts. Actual savings will vary based upon procedure, geographic location, and the provider’s discount. Discount Services may not be available in all states. Please call to verify availability in your home state.

You can save on doctor visits, dental, vision, prescriptions and more! You’ll have full access to the Discount Medical Plans, with automatic savings of up to 50%* when you use in-network providers for:

• Physician Care
• Dental Treatment
• Vision
• Prescriptions

These savings are in addition to any cash benefits you are eligible to receive through Essential Health. You need to use the Discount Medical Plans’ participating providers in order to receive these discounts.

• Please note: the Discount Medical Plans are not health insurance. Savings are based upon a comparison of national average negotiated network provider discounts. Actual savings will vary based upon procedure, geographic location, and the provider’s discount. Discount Services may not be available in all states. Please call to verify availability in your home state.

Health Benefit Network Discount Plan:

This plan provides discounts at certain health care providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care service but will receive a discount from those health care providers who have contracted with this discount plan organization. It is the member’s responsibility to confirm with Member Services that a provider is an active participant of the program prior to seeing that provider.

This disclosure explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this disclosure and the Policy, the terms of the Policy apply. Complete details are in the Insurance Documents issued to each insured person.

Exclusions:

No coverage shall be provided under the Policy and no payment shall be made for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks even if the proximate or precipitating cause of the loss is an accidental bodily Injury.

1. suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or autoeroticism.
   
2. sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from any of these
   
3. the Insured Person's commission of or attempt to commit a felony.
   
4. infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes.
   
5. declared or undeclared war, or any act of declared or undeclared war, except if specifically provided by the Policy.
   
6. participation in any team sport or any other athletic activity, except participation in a Covered Activity.
   
7. full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. (Unearned premium for any period for which the Insured Person is not covered due to his or her active duty status will be refunded) (Loss caused while on short-tem National Guard or reserve duty for regularly scheduled training purposes is not excluded).
   
8. travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured Person is:
   A. riding as a passenger in any aircraft not intended or licensed for the transportation of passengers; or
   B. performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or
   C. riding as a passenger in an aircraft owned, leased or operated by the Policyholder or the Insured’s employer;
   
   
9. the Insured Person being under the influence of intoxicants.
   
10. the Insured Person being under the influence of drugs unless taken under the advice of and as specified by a Physician.
    
11. the medical or surgical treatment of sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from the treatment.
    
12. stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.
    
13. any condition for which the Insured Person is entitled to benefits under any Worker’s Compensation Act or similar law.
    
14. the Insured Person riding in or driving any type of motor vehicle as part of a speed contest or scheduled race, including testing such vehicle on a track, speedway or proving ground.
    
15. any loss incurred while outside the United States, its Territories or Canada.

Reduction Schedule.

The Maximum Amount used to determine the amount payable for a loss will be reduced if an Insured Person is age 70 or older on the date of the accident (or sickness) causing the loss with respect to any of the following Benefits provided by the Policy: Emergency Treatment Benefit, In-Hospital Indemnity Daily Benefit, In-Hospital Indemnity Single Payment Benefit, In-Hospital Indemnity Sickness Daily Benefit, In-Hospital Indemnity Sickness Single Payment Benefit.

Premium for an Insured Person age 70 or older is based on 100% of the coverage that would be in effect if the Insured Person were under age 70.

Who is Eligible

All customers ages 18 – 65 are eligible for this offer. In order to initiate your coverage YOU MUST CALL US OR ENROLL ONLINE. If you select Family Coverage, the person who signs the benefit form or calls to enroll will be the Primary Insured Person. You are eligible for coverage as a customer of the Policyholder identified on the Schedule of Benefits. Benefits are reduced by 50% by age 70. The sickness coverage terminates at age 75. No Insurance Underwriting Restrictions

All eligible customers who complete the Enrollment Form will be accepted. There are no medical questions or physical examinations for enrollment.

Your coverage begins on the date for which the first premium for Your coverage is paid when due.

Your coverage ends on the earliest of: (1) the date the Policy is terminated; (2) the premium due date if premiums are not paid when due; (3) the date You cease to be a member of any eligible class(es) of persons, as described in the classification of eligible persons section of the Policy; or (4) the date You request, in writing, that Your coverage be terminated.

Definitions and Description of the Product:

1. Eligible Dependent Child means Your unmarried child(ren), including natural, step, foster or adopted children from the moment of placement in Your home, under age 19 ( 23 if attending an accredited institution of higher learning on a full time basis) and primarily dependent on You for support and maintenance.

2. Sickness as used in this benefit means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage. Any exclusion in the above Exclusions section regarding sickness or disease; stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis or aneurysm is hereby waived for this benefit.

3. Injury means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person’s coverage under the Policy is in force; (2) which directly (independent of sickness, disease, mental incapacity, bodily infirmity or any other cause) causes a covered loss; and (3) which occurs while such person is participating in a Covered Activity.

4. Hospital as used in this Benefit, means a facility which: (1) is operated according to law for the care and treatment of injured and sick people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.’s); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; or (2) a facility which is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward room, wing, or other section of the hospital that is used for such purposes.

5. Inpatient as used in this Benefit, means a person: (1) who is confined in a Hospital as a registered bed patient; and (2) for whom at least one day’s room and board is charged by the Hospital unless the Insured Person is confined as an Inpatient in any military, veterans or other government supported or sponsored Hospital for which a charge for room and board is not made.

6. Emergency Treatment Benefit: If an Insured Person suffers an Injury that, within 72 hours of the date of the accident that caused the Injury, requires him or her to receive Medically Necessary Emergency Treatment in a Hospital emergency room or a Satellite Emergency Center, the Company will pay 100% Emergency Treatment Benefit Maximum Amount shown in the Benefit Schedule. Only one Emergency Treatment Benefit is payable for any one accident per Insured Person.

7. Emergency Transportation Benefit: If you or your eligible dependents suffer an Injury that requires Emergency Treatment within 24 hours of the date of the accident that caused the Injury and it is determined that it is Medically Necessary that such Insured Person be transported to a hospital by ambulance, the Company will pay up to $200 for a transportation benefit to a maximum of 2 transportation per year for the individual coverage and 4 per year for family. Only one Emergency Transportation Benefit is payable for any one accident per Insured Person.

8. Accident/Sickness Hospitalization Lump Sum Benefit: if you or your eligible dependents (if Family Coverage is elected) are confined to a hospital for at least 30 consecutive days or more as a result of an injury due to a covered accident or sickness, we will pay up to $5,000 lump sum benefit amount.

9. Daily Accident/Sickness Hospitalization Benefit: if you, or your eligible dependents (if Family Coverage is elected) are confined in a hospital as a result of a covered injury, we will pay a daily benefit of up $400 a day for an injury due to a covered accident and up to$200 a day for sickness, to a maximum of 365 days.

10. Physician's Office Visit: If you or your eligible dependents (if Family coverage is elected) visit a Physician’s office for treatment of an Injury while coverage under this Benefit is in force, the Company will pay $50 for each visit. The limited number of visits for individual coverage is 3 for the first 3 years of coverage and 5 after; the limited number of visits for family coverage is 5 for the first 3 years and 8 after.

    Benefits amounts reduce 50% at age 70 and benefit amounts for eligible dependents are lower except for the doctor's visit benefit.

Important Notice to Persons On Medicare

This insurance duplicates some Medicare Benefits. This is not Medicare Supplement Insurance. This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policies conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplemental insurance. This insurance duplicates Medicare benefits when any expenses or services covered by the policy are also covered by Medicare. Medicare generally pays for most or all of these expenses.

Medicare Pays extensive benefits for medically necessary services regardless of the reason you need them. These include hospitalization; physicians services, outpatient prescription drugs if you are enrolled in Medicare Part D; hospice, and other approved items and services. Before you buy this insurance check the coverage in all health insurance policies you already have. For more information about Medicare and Medicare Supplement Insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. For help in understanding your health insurance, contact your state insurance department or state health assistance program (SHIP)

Note: If you are 70 years of age or older on the date of a covered accident (or sickness) for which benefits are payable, the benefits listed below will be reduced by fifty percent (50%), except for the Physician's Office Visits Indemnity Benefit.

Essential Health is an affordable way to provide some insurance coverage against the high cost of medical care. For example, if you are hospitalized due to a covered accident, you will receive up to $400 a day to a maximum of 365 days to help cover expenses, PLUS a lump sum benefit of up to $5,000, up to $10,000, for covered hospitalization of 30 consecutive days or 60 consecutive days or more.

Unlike some other plans, Essential Health provides benefits on the first day of coverage for covered accidents. Coverage for hospital stays due to covered illness begins on the first day for any hospitalization lasting 3 days or more.

Essential Health is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. National Union began conducting business in 1901 and has been a leader in the management and professional liability markets for nearly three decades. National Union’s proven record, coupled with top rankings for financial strength and top credit ratings has made National Union the preferred management liability source for America’s largest companies.

National Union Fire Insurance Company of Pittsburgh, Pa is the underwriter of this accident insurance program. National Union has been in business since 1901 and is licensed in 50 states and the District of Columbia. As a leading provider of commercial and personal insurance, National Union serves business and individual customers throughout the United States. National Union has over 10 billion dollars in statutory surplus. Financial strength, superior service, and responsive claims handling provide the foundation of our commitment to you.