Accident related


Critical Illness Insurance


The IHC Group

You get paid on occurrence!

Accident and Critical Illness are precarious events in life that not only disrupt the flow of life, but cause financial drain. To help in easing financial burden, indemnities covering accident and critical illness are offered for scope and extent of damaging instances, and are paid upon occurrence.

There are three categories of policies offered by The IHC Group/Independence American Insurance Company briefly described below:

Accident, Critical Illness, AD &D and Disability Income

There are seven policies, designated under Accident Independence Accident Insurance. The coverage of benefits are:

  • Accident Medical Expense in the range of $2,500 to $15,000.
  • Critical Illness benefits in range of $2,500 to $25,000.
  • Accidental Death & Dismemberment (AD&D) of $25,000.
  • Critical Illness coverage for child $2,500 to $10,000.
  • Accident Disability Income of $500 for six policies with exception of one policy.

Selection of benefits can be done by combination of choices to customize a policy.

For details, please open the brochure here.

Critical Illness Insurance

There are five indemnity policies, which are dedicated to Critical Illness coverage in a range of $20,000 to $100,000 in steps of $20,000 for the primary insured and $10,000 for a Child. The Critical Illnesses are defined in three categories:

  • Category I: Invasive Cancer, Cancer in Situ,
  • Category II: Heart Attack, Stroke, Major Organ Failure, Coronary Artery Bypass Surgery, and
  • Category III: Major Organ Failure, End-Stage Renal Disease, Severe Burn, Coma, and Paralysis.

For details, please open the brochure here.

Accident Medical Expense, AD&D and Critical Illness Rider (Metal Gap2 policies)

There are four policies offering following benefits for the primary insured:

  • Accident Medical Expense in the range of $2,500 to $10,000 in steps of $2,500
  • Accidental Death & Dismemberment (AD&D) in the range of $2,500 to $10,000 in steps of $2,500
  • Critical Illness in the range of $2,500 to $10,000 in steps of $2,500.

In addition, there is Critical Illness coverage of $2,500 benefit for a child.  

Selection of benefits can be done by combination of choices to customize a policy. 

For details, please open the brochure here.

How to Access

Follow these steps below to sift through and select the policy you need:

  • Open Quote engine here and enter data for the candidate applicant below age 65 to see Quote Results.
  • Click on down-arrow Policies and select each of three types of policies to see filtered display by type of Policies.
  • Click on down-arrow Critical Illness to see scope of policies in range from $2,500 to $100,000.
  • Click on down-arrow Accident Medical Expense to see scope to policies in range from $2,500 to $15,000.
  • Click on down-arrow Primary Product Cost to see all products and their cost.


 Applicant must be between 18 years to 64.5 years of age, and permanent or legal resident of the United States. Eligible dependents include your lawful spouse/domestic partner under age of 64.5, and children up to age 26 are eligible.  It is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.

Healthcare Providers

These plans come with nationwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses. It is significant to use providers in the networks to get discounted services and processing of your medical claims the Insurance. Reach out to following network of providers to search for providers. Since participation in networks in dynamic, do call to check and verify for appointments.


I want to sign up. How should I go about?


Open Quote and Sign up here.                  Quote and Sign up here


Enter data on the form and See Quotes. Click on tab Accident and Critical Insurance


In sub-menu item Policies, select one of the three check boxes to see policies in that plan you want to buy into.   


You may compare up to three policies by checking Compare boxes and then click on orange button Compare to see comparative benefits.


Click on orange button Select for the plan you want to sign up, and following the screen. (Click on button Details to see short list of features)


You may add other options available to this plan, and then click on orange button Begin Application. Follow the screens to sign up.

I just signed up. Now What?

  • Check your email coming from, and follow instructions.
  • Create membership account. Open detail instructions on how to create and look into membership account.
  • Download PDF copy of membership card. Request for a plastic Membership ID card in membership portal.

I’m a policyholder. I need help!

Phone: 866.473.6615


  • Customer service is provided by third party, Loomis Company
  • Customer Service: select Option 3 for members at 866-473-6615
  • Online Member Portal:
  • Policy Documents Requests:
  • Bill inquiries: 1-866-473-6615    Fax: 610-374-6986

Plan availability varies by State. Shop Plans to see what’s currently available for you.


Call us at 407-792-6060 or leave message below.
We’ll get back to you within 24 hours.

Who are the providers of the plans?