Frequently Asked Questions | Hospital Accident Plan (HAP)

This insurance supplements your other coverage plans. In the event you are hospitalized because of an accident injury, HAP pays you cash for each day you are hospitalized.

No. The cash is paid directly to you, unless you say otherwise, to spend any way you choose. It's designed to help defray the cost of hospitalization or the incidentals that result from an unplanned hospital stay.

Yes. You may designate a doctor, hospital, or anyone you choose.

No. This insurance pays for covered accidents only. Hospitalization due to sickness or disease is not covered.

No. There are no medical questions or physical exams required to qualify.

No. Your coverage is guaranteed, provided you are 18 years of age or older.

No termination age; however, benefits reduce to 50% at age 65, and reduce to 25% at age 75.

The effective date is shown on your Certificate of Insurance.

It takes about 30 days from the time the enrollment form is received to process and issue the Certificate of Insurance.

Share and Share Draft premiums will be automatically debited from your account quarterly/monthly. These transactions will be reflected on your statement.

The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Nashville, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.

The Plan Administrator is Affinion Benefits Group, LLC, a division of Affinion Group, the nation's largest provider of direct response insurance programs.

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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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