Accident Insurance Benefits and Exclusions Quiz

Lincoln Financial Group Accident Insurance: Benefits and Exclusions

• Lincoln Financial Group Accident Insurance pays individuals for keeping up with important health screenings.
• A wide range of health screenings and exams are covered, including routine dental exams, annual physicals, eye and hearing exams, and immunizations.
• Each plan year, individuals receive cash back for one covered screening with no waiting period.
• Claims can be submitted via fax, mail, online, or email and are processed within 24 hours of receipt.
• The health assessment benefit is paid within 24 hours of receiving a completed claim form.
• Health assessments are not available in Connecticut, Indiana, Michigan, Minnesota, Missouri, North Dakota, New Hampshire, New Jersey, New York, New Mexico, Vermont, and Washington.
• The policy has exclusions, including diseases, self-inflicted injuries, drug use, felonies, war, and participation in professional sports.
• Cosmetic or elective surgery is also excluded from coverage.
• The policy covers hospitalization and ongoing care, including accident hospital admission and daily confinement.
• Recovery assistance is also included, covering family care, companion lodging, and transportation.
• The policy provides coverage for accidental death and dismemberment, including benefits for education, spouse training, and modification to home or auto.
• Additional benefits include portability, child sports injury benefit, and coverage for specific injuries, such as burns, dislocations, and fractures.