• Accident Insurance pays benefits for covered injuries and for treatments resulting from a covered accident, including surgery, ambulance, emergency care, and more.
• Critical Illness Insurance pays benefits upon diagnosis of a covered critical illness or specified event such as a heart attack or stroke.
• Hospital Indemnity Insurance provides benefits for admission and hospital stays, including ICU care and Covid-related hospitalizations.

Plans are offered at affordable group rates and acceptance is guaranteed, so there are no medical questions or physical exams required.*

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*Critical illness insurance is guaranteed up to $10,000 (up to $50,000 is available with limited underwriting).
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage.
This policy provides ACCIDENT insurance only.  It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
Group Accident, Hospital Indemnity and Group Critical Illness Insurance coverages are limited benefit policies issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Group Accident, Hospital Indemnity and Group Critical Illness Insurance coverages are not substitutes for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses, and they do not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500 and 114774.
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