American Fidelity Accident Insurance
American Fidelity accident insurance is a type of insurance policy that provides coverage for injuries sustained in an accident, regardless of who is at fault. It can help cover medical expenses, lost wages, and other costs associated with an accident.
There are many benefits to having American Fidelity accident insurance. One of the biggest benefits is that it can help you pay for medical expenses that are not covered by your health insurance. Accident insurance can also help you cover lost wages if you are unable to work due to your injuries. In addition, accident insurance can provide you with a lump sum of money that you can use to cover other expenses, such as transportation, childcare, or home modifications.
Types of Accident Insurance Offered by American Fidelity
- Individual accident insurance: This type of insurance provides coverage for one person.
- Family accident insurance: This type of insurance provides coverage for multiple family members.
- Group accident insurance: This type of insurance provides coverage for a group of people, such as employees of a company.
Key Features and Benefits of American Fidelity Accident Insurance
American Fidelity accident insurance provides comprehensive coverage for a wide range of accidents, offering peace of mind and financial protection against unexpected medical expenses and lost income. Here are some of its key features and benefits:
- 24/7 Coverage: American Fidelity accident insurance provides coverage around the clock, ensuring protection whenever an accident occurs.
- Worldwide Coverage: The policy offers worldwide coverage, providing peace of mind while traveling or living abroad.
- Accident-Only Coverage: American Fidelity accident insurance is specifically designed to cover accidents, excluding coverage for illnesses or pre-existing conditions.
Comprehensive Coverage
American Fidelity accident insurance provides comprehensive coverage for a variety of accident-related expenses, including:
- Medical Expenses: The policy covers medical expenses resulting from an accident, including hospital stays, doctor visits, and rehabilitation costs.
- Lost Income: The policy provides compensation for lost income due to an accident-related disability, ensuring financial stability during recovery.
- Accidental Death Benefit: In the event of an accidental death, the policy provides a lump sum benefit to beneficiaries.
Affordable Premiums
American Fidelity accident insurance offers affordable premiums that vary depending on factors such as age, occupation, and coverage amount. The flexible premium options allow individuals to tailor their coverage to their specific needs and budget.
Easy Claim Process
American Fidelity accident insurance prides itself on its easy claim process. The company has a dedicated team of claims adjusters who are available to assist policyholders throughout the claim process, ensuring a smooth and efficient experience.
Eligibility and Application Process for American Fidelity Accident Insurance
To be eligible for American Fidelity accident insurance, you must meet the following criteria:
- Be a resident of the United States or Canada
- Be between the ages of 18 and 69
- Be employed or self-employed
- Not be currently receiving Social Security disability benefits
To apply for American Fidelity accident insurance, you can either call 1-800-937-4334 or visit their website at americanfidelity.com. The application process is simple and straightforward, and you can typically get a decision within a few minutes.
How to Apply for American Fidelity Accident Insurance
To apply for American Fidelity accident insurance, you will need to provide the following information:
- Your name, address, and phone number
- Your date of birth
- Your occupation
- Your income
- Your health history
Once you have provided this information, American Fidelity will review your application and make a decision. If you are approved, you will receive a policy in the mail. You can then start making payments and your coverage will begin.
Coverage and Exclusions of American Fidelity Accident Insurance
American Fidelity accident insurance offers comprehensive coverage for a wide range of accidents, providing peace of mind and financial protection in case of unexpected events. However, it’s crucial to understand the specific coverage and exclusions of the policy to ensure that you have adequate protection for your needs.
To help you navigate the coverage and exclusions, we’ve organized the following information:
Coverage Provided by American Fidelity Accident Insurance
American Fidelity accident insurance provides coverage for various types of accidents, including:
- Accidental bodily injury
- Dismemberment
- Paralysis
- Loss of sight or hearing
- Death
The policy also includes coverage for medical expenses incurred as a result of an accident, such as hospital bills, doctor’s fees, and rehabilitation costs.
Exclusions and Limitations of American Fidelity Accident Insurance
While American Fidelity accident insurance offers comprehensive coverage, there are certain exclusions and limitations that you should be aware of:
- Intentional acts: The policy does not cover injuries or death resulting from intentional acts of the insured or another person.
- Self-inflicted injuries: The policy does not cover injuries or death resulting from self-inflicted injuries.
- War or military service: The policy does not cover injuries or death resulting from war or military service.
- Aviation accidents: The policy does not cover injuries or death resulting from aviation accidents, unless the insured is a passenger on a commercial airline.
- Occupational injuries: The policy does not cover injuries or death resulting from occupational accidents, unless the insured is not covered by workers’ compensation insurance.
Determining if an Accident is Covered
To determine if an accident is covered under American Fidelity accident insurance, consider the following factors:
- Cause of the accident: The accident must be caused by an external, violent, and accidental event.
- Time of the accident: The accident must occur during the policy period.
- Exclusions: The accident must not fall within any of the policy exclusions.
If you are unsure whether an accident is covered, it’s always best to contact American Fidelity for clarification.
Claims Process and Customer Support for American Fidelity Accident Insurance
American Fidelity Accident Insurance offers a straightforward claims process and reliable customer support to assist policyholders in navigating the claims journey seamlessly.
Claims Process
To initiate a claim, follow these steps:
- Report the Accident: Notify American Fidelity immediately by phone or online within 24 hours of the accident.
- Gather Documentation: Provide necessary documentation, such as medical records, police reports, and witness statements.
- Submit the Claim: Submit the claim form and supporting documents online, by mail, or fax.
- Review and Approval: American Fidelity will review the claim and may request additional information. Once approved, benefits will be disbursed.
Customer Support
American Fidelity provides multiple channels for customer support:
- Phone: 1-800-323-4335 (Monday-Friday, 8:00 AM – 5:00 PM CST)
- Email: claims@amfid.com
- Online: Access the customer portal at www.amfid.com/claims
- Mail: American Fidelity Assurance Company, P.O. Box 3610, Oklahoma City, OK 73101
