Family Heritage outlines accident, ICU and transplant benefits in detail

Nicholas walked through the plan’s schedule of benefits, describing fixed indemnities for specific events: emergency or urgent care visits ($400), scans ($400), hospitalization ($800 per day in many examples), surgery payments and therapy per day, and an example transplant benefit of $160,000. He described an ICU rider that pays $1,600 per day (with higher payments for accidents and pediatric caps) and explained step-down unit payments.

He also outlined accident-specific benefits: a first-night hospitalization supplement ($3,200 in one example), fracture and dislocation schedules tied to the injured bone, dismemberment payouts (e.g., $20,000 for loss of a limb), accidental death benefit ($40,000), and an education benefit up to $20,000 per child. Nicholas said these are fixed indemnity payments that a family can use for any purpose.

The vendor emphasized the product pays on top of workers’ compensation or health insurance with no coordination of benefits, meaning policyholders can receive both payments for the same event, according to his presentation.