Dental

A smile is one of the most powerful and influential expressions we have. Taking good care of your teeth can be the difference in many life changing events that can come your way. It is very important to always have regular check ups with your dentist. Having routine visits helps in preventing the development of oral diseases. Dental insurance generally covers preventive treatment, basic and advanced care.

Vision

Vision is one of the primary senses for the performance of our daily activities. Our vision plans provide customers the opportunity to perform an annual routine check that allows them to choose the lenses of their choice.

Health Indemnity Plans

Indemnity insurance is a complement to your health coverage that will help you cover medical expenses that the main insurance does not cover. Payments are made directly to the insured and will serve as financial help for your family if you cannot work due to an accident or illness hospitalization, you can pay to pay deductibles or co payments.

ACCIDENT AND HOSPITALIZATION INSURANCE COVERAGE

Are you prepared to face the unexpected setbacks of life? An accident can happen at any time. We are here to help you cover deductibles, copays, coinsurance, caregiver expenses, transportation, lost wages and more. These are some of the costs, which most of us do not think about until we are put in those positions.

Approximately 77% of all accidents in the U.S. happen outside of the workplace in which are not covered by workers’ compensation. Each policy pays benefits for the ambulance, emergency room care, surgery, hospital stay and physical therapy.

Examples:

Fractures
Dislocations
Surgeries
Burns
Disability
Accidental Death and dismemberment

Critical illness

An insurance product in which the carrier makes a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. Loss of income resulting from a serious illness would likely affect an insured’s way of life.

Critical Illness insurance pays cash directly to the client in a single payment for a qualifying serious illness. This policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.