Accident/Hospitalization Insurance
When life takes an unexpected turn, it's good to know People First FCU is there. A variety of insurance programs are available to you so you won't have to worry when unforeseen situations arise.
Accidental Death & Dismemberment (AD&D) Insurance

Covers insured in the event of loss of life, limb, sight, speech or hearing due to a covered accident.

Benefits

  • Guaranteed coverage; no medical exams or health questions.
  • People First FCU provides a complimentary $1,000 of AD&D insurance.
  • Additional insurance plans are available to purchase.

Eligibility

  • Insured and spouse: 18 and older.
  • Immediate Family Member: spouse, unmarried children under age 26, children whose support is required by court decree.
  • Coverage reduces to 50% at age 70.

As with all insurance programs, some exclusions apply which are detailed in the Insurance Coverage document provided by Affinion Group. For more information about this product please see our Accidental Death and Dismemberment FAQs.

Hospital Accident Protection (HAP) Insurance

Provides cash benefits to the insured in the event of hospitalization due to a covered accident.

Benefits

  • Guaranteed coverage; no medical exams required.
  • Benefits are paid in cash.
  • The first 2 months of coverage are FREE.
  • Coverage is for covered accidents only - hospitalization due to sickness or disease is not covered.
  • Underwritten by Federal Insurance Company, a member of the Chubb Group of Insurance Companies.

Eligibility

  • Insured and spouse: 18 and older.
  • Dependent children; under 19, or between the ages of 19 and 25 if enrolled in accredited institution of higher learning.
  • No termination age, however, hospital benefits (in-hospital only) reduce to 50% at age 65 and reduce to 25% at age 75; emergency room benefits stay the same.
  • Coverage limited to one Insurance Coverage Document (for identical benefits) per insured.

As with all insurance programs, some exclusions apply which are detailed in the Certificate of Insurance provided by Affinion Group. For more information about this product please see our Hospital Accident Protection Insurance FAQs.

Recuperative Care Plan (RCP)

Provides cash benefits to the insured upon release from hospital, in the event the insured is hospitalized due to a covered accident or sickness.

Benefits

  • Guaranteed coverage; no medical exams or health questions.
  • Benefits are paid in cash for up to 365 days.
  • The first 60 days of coverage are FREE.
  • Coverage is for recuperative care for accidents and sickness, some exclusions apply.
  • Affordable group rates apply.
  • Underwritten by Minnesota Life Insurance Company.

Eligibility

  • Insured and spouse: 18 and older.
  • Immediate Family Member: spouse, domestic partner, parent, grandparent, sibling or child; and your spouse's or domestic partner's parent, sibling or child.
  • No termination age, however, Recuperative Accident and Recuperative Sickness benefits reduce to 50% at age 70.

As with all insurance programs, some exclusions apply which are detailed in the Certificate of Insurance provided by Affinion Group. For more information about this product please see our Recuperative Care Plan FAQs.

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Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.
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