virgil-ai/rag/equitable_accident_insurance_plan.txt

PLAN: Equitable Accident Insurance Plan
UID: Equitable Accident Plan
Category: Accident
Type: None
Marketing Name: Equitable Accedent lan
Average Price: $43.02
Short Description: This accident plan provides cash benefits for a wide range of injuries — from fractures and dislocations to hospital stays and emergency care — helping cover out-of-pocket costs for both minor and major accidents.
Long Description: The Equitable Accident Insurance Plan offers financial protection for unexpected injuries by paying cash benefits directly to you. Coverage includes a broad range of injuries such as fractures, dislocations, burns, lacerations, and even paralysis. Benefits also cover medical treatments like X-rays, physical therapy, and hospital stays. The money can be used however you need — whether for medical bills, daily expenses, or lost income — giving you peace of mind after an accident.

PRICING:
  Coverage 4: $63.74
  Coverage 3: $46.37
  Coverage 2: $39.69
  Coverage 1: $22.28

DETAILS:

BURNS:
  Skin graft - Child: Pays 50% of the full burn benefit.
  Skin graft - Spouse: Pays 50% of the full burn benefit.
  Skin graft - Employee: Pays 50% of the full burn benefit.
  21–40 sq. cm third degree - Child: 1000
  41–65 sq. cm third degree - Child: 2000
  21–40 sq. cm second degree - Child: 400
  21–40 sq. cm third degree - Spouse: 1000
  41–65 sq. cm second degree - Child: 800
  41–65 sq. cm third degree - Spouse: 2000
  66–160 sq. cm third degree - Child: 6000
  161–225 sq. cm third degree - Child: 14000
  21–40 sq. cm second degree - Spouse: 400
  41–65 sq. cm second degree - Spouse: 800
  66–160 sq. cm second degree - Child: 1200
  66–160 sq. cm third degree - Spouse: 6000
  161–225 sq. cm second degree - Child: 1600
  161–225 sq. cm third degree - Spouse: 14000
  21–40 sq. cm third degree - Employee: 1000
  41–65 sq. cm third degree - Employee: 2000
  66–160 sq. cm second degree - Spouse: 1200
  161–225 sq. cm second degree - Spouse: 1600
  21–40 sq. cm second degree - Employee: 400
  41–65 sq. cm second degree - Employee: 800
  66–160 sq. cm third degree - Employee: 6000
  161–225 sq. cm third degree - Employee: 14000
  66–160 sq. cm second degree - Employee: 1200
  161–225 sq. cm second degree - Employee: 1600
  More than 225 sq. cm third degree - Child: 20000
  More than 225 sq. cm second degree - Child: 2000
  More than 225 sq. cm third degree - Spouse: 20000
  More than 225 sq. cm second degree - Spouse: 2000
  More than 225 sq. cm third degree - Employee: 20000
  More than 225 sq. cm second degree - Employee: 2000

SURGERY:
  Open surgery - Child: 3000
  Open surgery - Spouse: 3000
  Open surgery - Employee: 3000
  Torn knee cartilage - Child: 1500
  Torn knee cartilage - Spouse: 1500
  Torn knee cartilage - Employee: 1500
  Ruptured/herniated disc - Child: 1500
  Ruptured/herniated disc - Spouse: 1500
  Ruptured/herniated disc - Employee: 1500
  Tendon/Ligament/Rotator cuff tear - Child: 1500
  Exploratory surgery or debridement - Child: 800
  Tendon/Ligament/Rotator cuff tear - Spouse: 1500
  Exploratory surgery or debridement - Spouse: 800
  Tendon/Ligament/Rotator cuff tear - Employee: 1500
  Exploratory surgery or debridement - Employee: 800
  Laparoscopic surgery or hernia repair - Child: 1000
  Laparoscopic surgery or hernia repair - Spouse: 1000
  Laparoscopic surgery or hernia repair - Employee: 1000
  Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Child: 1000
  Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Spouse: 1000
  Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Employee: 1000

HOSPITAL:
  Ambulance (Air) - Child: 2000
  Ambulance (Air) - Spouse: 2000
  Ambulance (Air) - Employee: 2000
  Ambulance (Ground) - Child: 400
  Ambulance (Ground) - Spouse: 400
  Ambulance (Ground) - Employee: 400
  ER admission or urgent care facility - Child: 200
  ER admission or urgent care facility - Spouse: 200
  ER admission or urgent care facility - Employee: 200
  Hospital admission (once per benefit year) - Child: 2000
  Hospital admission (once per benefit year) - Spouse: 2000
  Hospital admission (once per benefit year) - Employee: 2000
  Rehabilitation unit (per day, up to 30 days per covered accident) - Child: 100
  Hospital confinement (per day up to 365 days per covered accident) - Child: 400
  Rehabilitation unit (per day, up to 30 days per covered accident) - Spouse: 100
  Hospital confinement (per day up to 365 days per covered accident) - Spouse: 400
  Rehabilitation unit (per day, up to 30 days per covered accident) - Employee: 100
  Hospital confinement (per day up to 365 days per covered accident) - Employee: 400
  Transportation (100 or more miles up to three times per covered accident) - Child: 500
  Transportation (100 or more miles up to three times per covered accident) - Spouse: 500
  Transportation (100 or more miles up to three times per covered accident) - Employee: 500
  Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Child: 100
  Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Spouse: 100
  Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Employee: 100
  Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Child: 500
  Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Spouse: 500
  Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Employee: 500
  Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Child: 400
  Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Spouse: 3000
  Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Employee: 3000

FRACTURES:
  Foot - Child: $1,500 / $750
  Hand - Child: $1,500 / $750
  Heel - Child: $1,500 / $750
  Ankle - Child: $1,500 / $750
  Elbow - Child: $1,500 / $750
  Foot - Spouse: $1,500 / $750
  Hand - Spouse: $1,500 / $750
  Heel - Spouse: $1,500 / $750
  Wrist - Child: $1,500 / $750
  Ankle - Spouse: $1,500 / $750
  Elbow - Spouse: $1,500 / $750
  Wrist - Spouse: $1,500 / $750
  Foot - Employee: $1,500 / $750
  Forearm - Child: $1,500 / $750
  Hand - Employee: $1,500 / $750
  Heel - Employee: $1,500 / $750
  Ankle - Employee: $1,500 / $750
  Elbow - Employee: $1,500 / $750
  Forearm - Spouse: $1,500 / $750
  Knee cap - Child: $1,500 / $750
  Shoulder - Child: $1,500 / $750
  Wrist - Employee: $1,500 / $750
  Knee cap - Spouse: $1,500 / $750
  Lower jaw - Child: $1,500 / $750
  Shoulder - Spouse: $1,500 / $750
  Collarbone - Child: $1,500 / $750
  Forearm - Employee: $1,500 / $750
  Lower jaw - Spouse: $1,500 / $750
  Collarbone - Spouse: $1,500 / $750
  Knee cap - Employee: $1,500 / $750
  Shoulder - Employee: $1,500 / $750
  Lower jaw - Employee: $1,500 / $750
  Collarbone - Employee: $1,500 / $750
  Hip or thigh  - Child: $10,000 / $5,000
  Hip or thigh - Spouse: $10,000 / $5,000
  Multiple ribs - Child: $2,000 / $1,000
  Multiple ribs - Spouse: $2,000 / $1,000
  Skull (simple) - Child: $7,000 / $3,500
  Hip or thigh - Employee: $10,000 / $5,000
  Skull (simple) - Spouse: $7,000 / $3,500
  Multiple ribs - Employee: $2,000 / $1,000
  Skull (depressed) - Child: $12,000 / $6,000
  Skull (simple) - Employee: $7,000 / $3,500
  Vertebral process - Child: $2,000 / $1,000
  Skull (depressed) - Spouse: $12,000 / $6,000
  Vertebral process - Spouse: $2,000 / $1,000
  Skull (depressed) - Employee: $12,000 / $6,000
  Vertebral process - Employee: $2,000 / $1,000
  Bones of face or nose - Child: $2,000 / $1,000
  Leg (tibia or fibula) - Child: $6,000 / $3,000
  Bones of face or nose - Spouse: $2,000 / $1,000
  Leg (tibia or fibula) - Spouse: $6,000 / $3,000
  Upper jaw or upper arm - Child: $2,000 / $1,000
  Upper jaw or upper arm - Spouse: $2,000 / $1,000
  Bones of face or nose - Employee: $2,000 / $1,000
  Leg (tibia or fibula) - Employee: $6,000 / $3,000
  Pelvis (excluding coccyx) - Child: $8,000 / $4,000
  Upper jaw or upper arm - Employee: $2,000 / $1,000
  Pelvis (excluding coccyx) - Spouse: $8,000 / $4,000
  Rib, finger, toe or coccyx - Child: $1,500 / $750
  Rib, finger, toe or coccyx - Spouse: $1,500 / $750
  Pelvis (excluding coccyx) - Employee: $8,000 / $4,000
  Rib, finger, toe or coccyx - Employee: $1,500 / $750
  Vertebrae (body of) or sternum - Child: $5,000 / $2,500
  Vertebrae (body of) or sternum - Spouse: $5,000 / $2,500
  Vertebrae (body of) or sternum - Employee: $5,000 / $2,500
  Chip fractures and other fractures not reduced (not treated by a doctor) - Child: Pays 25% of the full amount if the bone is treated, with or without surgery.
  Chip fractures and other fractures not reduced (not treated by a doctor) - Spouse: Pays 25% of the full amount if the bone is treated, with or without surgery.
  Chip fractures and other fractures not reduced (not treated by a doctor) - Employee: Pays 25% of the full amount if the bone is treated, with or without surgery.

LACERATIONS:
  Single laceration under 5 cm with suture - Child: 65
  Single laceration under 5 cm with suture - Spouse: 65
  Single laceration under 5 cm with suture - Employee: 65
  Laceration(s) with no sutures and treated by a physician - Child: 35
  Laceration(s) with no sutures and treated by a physician - Spouse: 35
  Laceration(s) with no sutures and treated by a physician - Employee: 35
  Lacerations 5–15 cm with sutures (total of all lacerations) - Child: 250
  Lacerations 5–15 cm with sutures (total of all lacerations) - Spouse: 250
  Lacerations 5–15 cm with sutures (total of all lacerations) - Employee: 250
  Lacerations greater than 15 cm with sutures (total of all lacerations) - Child: 500
  Lacerations greater than 15 cm with sutures (total of all lacerations) - Spouse: 500
  Lacerations greater than 15 cm with sutures (total of all lacerations) - Employee: 500

DISLOCATIONS:
  Shoulder - Child: $3,000 / $1,500
  Lower jaw - Child: $1,500 / $750
  Shoulder - Spouse: $3,000 / $1,500
  Lower jaw - Spouse: $1,500 / $750
  Shoulder - Employee: $3,000 / $1,500
  Lower jaw - Employee: $1,500 / $750
  Elbow or wrist - Child: $1,500 / $700
  Elbow or wrist - Spouse: $1,500 / $700
  Elbow or wrist - Employee: $1,500 / $700
  Finger(s) or toe(s) - Child: $1,000 / $500
  Finger(s) or toe(s) - Spouse: $1,000 / $500
  Finger(s) or toe(s) - Employee: $1,000 / $500
  Incomplete dislocation - Child: 25% of the applicable non -surgical procedure
  Incomplete dislocation - Spouse: 25% of the applicable non -surgical procedure
  Incomplete dislocation - Employee: 25% of the applicable non -surgical procedure
  Collarbone or bones of the hand - Child: $4,000 / $2,000
  Collarbone or bones of the hand - Spouse: $4,000 / $2,000
  Knee, ankle or bones of the foot - Child: $5,000 / $2,500
  Knee, ankle or bones of the foot - Spouse: $5,000 / $2,500
  Collarbone or bones of the hand - Employee: $4,000 / $2,000
  Knee, ankle or bones of the foot - Employee: $5,000 / $2,500
  Hip (surgery required /no surgery required) - Child: $10,000 / $5,000
  Hip (surgery required /no surgery required) - Spouse: $10,000 / $5,000
  Hip (surgery required /no surgery required) - Employee: $10,000 / $5,000

EMERGENCYDENTAL:
  Emergency dental crown - Child: 200
  Emergency dental crown - Spouse: 200
  Emergency dental crown - Employee: 200
  Emergency dental extraction) - Child: 65
  Emergency dental extraction) - Spouse: 65
  Emergency dental extraction) - Employee: 65
  Wellness screening benefit (once per benefit year) - Child: 50
  Wellness screening benefit (once per benefit year) - Spouse: 50
  Wellness screening benefit (once per benefit year) - Employee: 50

MEDICALSERVICES:
  Anesthesia - Child: 100
  Anesthesia - Spouse: 100
  Anesthesia - Employee: 100
  Medical devices - Child: 500
  Medical devices - Spouse: 500
  Prosthesis (one) - Child: 750
  Prosthesis (two) - Child: 1500
  Prescription drug - Child: 50
  Prosthesis (one) - Spouse: 750
  Prosthesis (two) - Spouse: 1500
  Medical devices - Employee: 500
  Prescription drug - Spouse: 50
  Prosthesis (one) - Employee: 750
  Prosthesis (two) - Employee: 1500
  Prescription drug - Employee: 50
  Blood, plasma or platelet transfusion - Child: 200
  Blood, plasma or platelet transfusion - Spouse: 200
  Blood, plasma or platelet transfusion - Employee: 200
  Epidural pain management (up to 2 times per covered accident) - Child: 100
  Epidural pain management (up to 2 times per covered accident) - Spouse: 100
  Epidural pain management (up to 2 times per covered accident) - Employee: 100
  Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Child: 100
  Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Spouse: 100
  Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Employee: 100
  Physical and occupational therapy (per visit, up to 10 times per covered accident) - Child: 100
  Physical and occupational therapy (per visit, up to 10 times per covered accident) - Spouse: 100
  Physical and occupational therapy (per visit, up to 10 times per covered accident) - Employee: 100
  Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Child: 200
  Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Spouse: 200
  Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Child: 75
  Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Employee: 200
  Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Spouse: 75
  Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Child: 150
  Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Spouse: 150
  Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Employee: 75
  Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Employee: 150

WELLNESSBENEFIT:

ACCIDENTALDISMEMBERMENT:
  Loss of sight or loss of an eye — one eye - Child: 5000
  Loss of sight or loss of an eye — one eye - Spouse: 10000
  Loss of hearing or loss of an ear — one ear - Child: 5000
  Loss of hearing or loss of an ear — one ear - Spouse: 10000
  Loss of sight or loss of an eye — one eye - Employee: 10000
  Loss of hearing or loss of an ear — one ear - Employee: 10000
  Loss of a finger or loss of a toe — one finger or one toe - Child: 500
  Loss of a finger or loss of a toe — one finger or one toe - Spouse: 1000
  Loss of a finger or loss of a toe — one finger or one toe - Employee: 1000
  Loss of a finger or loss of a toe — two or more fingers or toes - Child: 1500
  Loss of a finger or loss of a toe — two or more fingers or toes - Spouse: 3000
  Loss of a finger or loss of a toe — two or more fingers or toes - Employee: 3000
  Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Child: 10000
  Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Spouse: 10000
  Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Employee: 10000

LIFEANDDISMEMBERMENTLOSSES:
  Accidental Death - Child: 25000
  Accidental Death - Spouse: 50000
  Accidental Death - Employee: 50000
  Accidental Death Common Carrier (If a person wo is covered  dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) - Child: 100000
  Accidental Death Common Carrier (If a person wo is covered  dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) -Spouse: 200000
  Accidental Death Common Carrier (If a person wo is covered  dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) - Employee: 200000
  Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Child: 25000
  Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Spouse: 25000
  Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Employee: 25000