Supplemental Health Insurance

When Your Medical Coverage May Not Be Enough

Supplemental Health Insurance can help shield you from out-of-pocket expenses that your regular insurance may not cover. Benefits for these types of health insurance policies are paid directly to you. A supplemental health insurance policy can help pay your rent, mortgage, utilities, medical supplies or even your cable bill while you recover.

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Delta Community members can take advantage of three different supplemental coverage options, Accident Insurance, Injury and Illness Insurance, Hospital Accident Insurance and Critical Illness Insurance with guaranteed acceptance and no medical exams required. You can select one or each plan based on your budget and coverage needs.

Accident Insurance

Accidents can be costly. Get cash benefits paid directly to you for everyday injuries like burns or breaks, and those requiring surgery and in-hospital treatment.

Injury lump sum up to $10,000
Immediate care up to $1,200
Ongoing care up to $5,000
Recovery care up to $1,000

Plus, collect an added $1,000 for organized sports injuries—a valuable extra for you and your kids.

Injury Care Accident Insurance underwritten by Securian Life Insurance Company. Benefit amounts payable vary by type and severity of injury. See website for more details.
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Injury and Illness Insurance

A benefit is paid for each day an insured is hospital confined due to a covered accident or sickness
$400 per day for covered hospitalizations due to injury. Limit per occurrence $146,000.00 per 365 days.
$200 per day for covered hospitalizations due to sickness. Limit per occurrence $73,000.00 per 365 days.

Hospital Accident Insurance

A benefit is paid for each day an insured is hospital confined due to a covered accident (no sickness coverage)
$450 per day for Emergency Room Treatment
$900 per day for Hospital Confinement – limit per occurrence $328,500 per 365 days
$1,800 per day for Intensive Care Confinement – limit per occurrence $657,000 per 365 days

Critical Illness Insurance

A critical illness such as cancer, heart attack or stroke can change your life in an instant. With Critical Illness Insurance from Securian Life Insurance Company cash benefits are paid directly to you, in addition to any other insurance you may have. As long as you're age 64 or under, your acceptance is guaranteed.³ Learn more about covered injuries and illnesses.

These coverages could help put your mind at ease while you're recovering from a covered accident or illness. Learn more about our Injury and Illness Insurance and Hospital Accident Insurance plans today.

Injury Care Accident Insurance underwritten by Securian Life Insurance Comapny. Benefit amounts payable vary by type and severity of injury. See website for more details.

Insurance products are underwritten by Zurich American Insurance Company, are not deposits of Delta Community Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Delta Community Credit Union and may be subject to risk. Insurance products offered through Members Insurance Advisors, a wholly owned subsidiary of Delta Community Credit Union.

¹ Requires at least a three-month separation between initial occurrence and recurrence.

² Plan benefit amounts reduce by 50% at age 65 regardless of age at enrollment.

³ This coverage includes a pre-existing condition limitation. If a claim is filed within six months of the policy’s effective date, the claim will be reviewed to determine if it’s due to a pre-existing condition. If the condition was present within the six months prior to the policy’s effective date, no benefits will be paid. Upon six months after the effective date, a claim will no longer be reviewed for a pre-existing condition and would be eligible for claims payment.

Supplemental Health Insurance

Accident Insurance

Injury and Illness Insurance

Hospital Accident Insurance

Critical Illness Insurance

Insurance

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EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency