Benefits and Coverages

HEALTH SCREENING BENEFIT
Pays a Per Test Amount when an Insured Person undergoes specified routine examinations or other preventive testing.

ROUTINE WELL-CHILD BENEFIT
Pays a Per Physician's Visit amount when an Insured Dependent Child visits a Physician and undergoes physical examination and/or appropriate immunizations during the first 12 months following birth.

HOSPITAL BENEFITS
Hospital Admission Benefit: Pays a lump sum Hospital Admission Benefit if an Insured Person is admitted as an inpatient to a Hospital for treatment of Sickness or Injury.

Hospital Confinement Benefit: Pays a Daily Hospital Confinement Benefit for each day that an Insured Person is charged for a room as an Inpatient when that Insured Person becomes confined as an Inpatient to a Hospital for treatment of Sickness Injury.

Intensive Care Unit Benefit: If benefits have become payable for an Insured Person under the Hospital Confinement Benefit, and such Insured Person becomes confined in an Intensive Care Unit, pays an additional Daily Intensive Care Unit Benefit for each day and Insured Person is confined in and charged for an Intensive Care Unit.

SURGICAL/ANESTHESIA BENEFITS
Pays a scheduled Surgical Benefit when an Insured Person undergoes a surgical procedure for treatment of Sickness of Injury. Anesthesia: Pays an Anesthesia Benefit for the administration of anesthesia for which a charge is incurred during a covered surgical procedure.

EMERGENCY ROOM ACCIDENT TREATMENT BENEFITS
Pays a Per Accident Benefit shown when an Insured Person suffers an injury that, within 72 hours of the accident that caused the injury, requires him or her to receive Emergency Treatment in the Emergency room of a Hospital.

EMERGENCY ROOM SICKNESS TREATMENT BENEFIT
Pays a Per Visit Benefit when an Insured Person visits the emergency room of a Hospital for Emergency Treatment of Sickness.

PHYSICIAN'S OFFICE VISITS BENEFIT
Pays a Per Visit benefit if an Insured Person visits a Physician's office for treatment of Sickness or Injury.

OUTPATIENT DIAGNOSTIC X-RAY AND LABORATORY BENEFIT
Pays an Outpatient Diagnostic X-Ray and Laboratory Benefit when an Insured Person visits a Physician's office or other outpatient setting except an emergency room, and undergoes diagnostic x-ray and laboratory tests for treatment of Sickness or Injury.

AMBULATORY SURGICAL CENTER BENFIT
Pays a lump sum benefit if an Insured Person visits an Ambulatory Surgical Center for treatment of Sickness or Injury.

ACCIDENTAL DEATH BENEFIT
Pays a lump sum benefit if an Insured Person suffers an injury that results in death.

CRITICAL ILLNESS RIDER
Pays a lump sum benefit upon diagnosis of a specified Critical Illness after a 30 day waiting period. The Insured Person must survive for 30 days after the diagnosis.

PHYSICIAN & HOSPITAL DISCOUNTS
We offer the Discount Provider Network from National Preferred Provider Network (NPPN) to complement the benefits provided by AWA. Discounted rates are available at premier physicians, hospitals, and medical centers around the country.


This is not basic health insurance or major medical coverage and is not designed as a substitute for basic health insurance or major medical coverage. Benefits may vary from state to state. This document provides only brief descriptions of the coverage’s available. The Policies contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in each Policy. If there are any conflicts between this document and each Policy, the Policy (series N20000 through N20010) shall govern. Not all coverage’s are available in every state.

Insurance is underwritten by National Fire Insurance Company of Pittsburgh, Pa. with its principle place of business in New York, NY.

 

 

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Underwritten by AIG