Accident ProGuard
Accidental Injury Insurance
from
UnitedHealthcare®
You get paid on occurrence!
What is Accident ProGuard Insurance Plan?
Accident Insurance, unlike a regular health insurance plan which have benefits to cover medical treatment, insurance industry has evolved plans and indemnities specific to occurrence of certain accidental event(s) for monetary compensation to reduce or offset financial costs.
UnitedHealthcare® offers following categories of indemnity plans under family of Accident ProGuard Insurance.
Open the page here showing these four types of plans. Enter basic information and View plans.
The benefits are paid on proof of occurrence(s) which may be used at the discretion of the policy holder to offset or help expenses like:
- Medical out-pocket expenses (deductible, coinsurance)
- Lost Wages
- Mortgage or rent
- Utility bills
- Food or gas money
- Any unexpected expenses, etc.
Accident ProGap
It is combination of following occurrences having indemnity coverage in the range of $2,500 to $7,500 depending on the plan you choose:
- Accidental Injury Benefit,
- Accidental Death & Dismemberment (AD & D) Benefit,
- Hospital Admission Benefit, and
- Critical Illness (max 3 times the slected benefit amount chosen)
Open the brochure here to see details.
Accident ProGuard
It is based on Simple Medical Questions. It is combination of following occurrences having indemnity coverage in the range of $5,000 to $30,000 depending on the plan you choose:
- Accident Injusry Benefit,
- Accidental Death and Dismemberment Benefit, (AD & D)
- Critical Illness Benefit per illness up to 3 times the benefit amount chosen.
Open the brochure here to see details.
Accident ProGuard GI
It is same list of benefits as Accident ProGuard, except the benefits are lesser than Accident ProGuard. It is ‘guaranteed issue’.
Open the brochure here to see details
Accident ExpenseGuard
It is combination of following occurrences having indemnity coverage in the range of $5,000 to $20,000 depending on the plan you choose:
- Accident benefit
- Accidental Death and Dismemberment benefit
Open the brochure here to see details.
Eligibility
- Age: between 18 – 64 for applicant and spouse and children up to age below 25 (drop off when age 26), at the time of application. Policy is renewable till age 70.
- Exclusions and/or Limitations: Listed in brochures.
- Preexisting conditions: Defined in the brochures.
- Underwriting: All these plans are subject to health underwriting.
Network of Providers
No network is applicable for these plans. However, you may look up PPO doctors here for reference.
I want to sign up. How should I go about it?
Open Quote and Sign up here on the UnitedHealthcare® site. Quote and Sign up here
Fill the form and click on View Plans to see menu of products and their quotes
Navigate and click on tab Accident ProGuard, you see plans in increasing order to price and benefits. You see four plans. You can compare up to four plans. Check the buttons Compare and then click on bottom Compare at the bottom of display. This is quick tabular display of compared plans
Use Filters and Sort buttons to narrow down your choice. Select a plan, and click on button Details.
Select radio button for the benefit coverage where choice is presented, then click on button Add to Cart. Follow screens to Apply and sign up. You will get email to download policy with instructions.
I’m a Policy Holder, I need help!
Follow the instructions in the email you received. Keep member card handy!
Call Customer Service Phone: 1-800-657-8205
QUESTIONS?
Call us at 407-792-6060 or leave message below.
We’ll get back to you within 24 hours.
Network of Providers: Look up PPO doctors here.
Who are the providers of these plans?
Golden Rule Insurance Company is the underwriter of these insurance plans.