personal accident insurance
We’ve invested in our members by offering personal accident insurance plans to financially protect you and your family.
accident insurance plans
hap
hospital accident plan
Receive cash benefits when a covered accident lands you in the hospital with unexpected medical expenses.
recup
recuperative care plan
Receive cash benefits for a covered accident or sickness and focus on recuperating.
ad&d
accidental death + dismemberment
Cash benefits paid to your family to help cover expenses when you’re no longer with them.
hospital accident plan
No one likes spending time in the hospital, even with the little pudding cups, but you can feel a lot better knowing you have cash benefits at the ready if you’re ever in an accident that sends you on vacation to a hospital bed.
hap benefits
- Guaranteed acceptance. No health exams required.
- $1,800 a day Intensive Care Confinement.
- $900 a day Hospital Confinement.
- $450 a day Emergency Room Treatment.
- Cash benefits are paid directly to you as a lump sum.
recuperative care plan
They say a positive attitude helps people recover faster, and we believe it! After all, stress affects the body in many physical ways. Cut stress out while you recuperate from an accident or any illness. Call to learn more.
recup benefits
- Guaranteed acceptance. No health exams required.
- $1,800 a day Intensive Care Confinement.
- $900 a day Hospital Confinement.
- $450 a day Emergency Room Treatment.
- Cash benefits are paid directly to you as a lump sum.
accidental death + dismemberment
As a member of SunWest, you can receive $1,000.001 accidental death and dismemberment coverage at no cost to you to provide peace of mind in the event of a covered accident.
Accidental death and dismemberment insurance is underwritten by Minnesota Life Insurance Company and is available for members 18 or older. Additional coverage can be purchased at group rates to include up to $250,000'. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.
ad&d benefits
- Guaranteed acceptance. No health exams required.
- Up to $1,000.00 paid by SunWest at $0 cost to you. (enroll to activate)
- Guaranteed additional accident insurance coverage:
amount
(quarterly)
Accident Insurance FAQ
How do I enroll for HAP coverage?
Visit FMS SunWest HAP + click GET STARTED or call 1.844.269.1292 to speak with a representative to discuss accident insurance policies related to medical expenses.
How do I enroll for recuperative care coverage?
Call 1.844.269.1292 to speak with a representative to discuss personal accident insurance coverage.
How do I enroll for AD&D coverage?
Visit FMS SunWest AD&D + click GET STARTED or call 1.844.269.1292 to speak with a representative.
Who is covered as family for AD&D?
If you select the family option for additional AD&D coverage, this will include you, your spouse, and dependent children.
Who can I call with questions about my AD&D coverage or to cancel my plan?
Call the Plan Administrator at 1.844.269.1292, or you can write to PO Box 689070, Franklin, TN 37068-9070.
1. Accidental death and dismemberment insurance is underwritten by Minnesota Life Insurance Company and is available for members 18 or older. Additional coverage can be purchased at group rates to include up to $250,000'. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.