Jesse was seriously injured in a bike accident.
Jesse underwent advanced diagnostic tests.
Jesse's claim was paid. Prudential gathered the information needed to cover additional services.
Completely recovered, Jesse takes a ride on his favorite bike path.
He required
extensive
rehabilitation.
An ambulance rushed him to the hospital.
Jesse submitted his claim on his mobile device right from his hospital bed.
He had to use crutches.
The doctor diagnosed
a concussion.
He was admitted to the hospital for treatment.
Jesse had surgery for his broken thigh bone.
He was evaluated for multiple injuries.
The costs of an unexpected accident can take you by surprise
Meet Jesse, age 33
Broken thigh bone & anesthesia: Benefit paid $6,100
Transportation to hospital by ambulance: Benefit paid $300
Emergency room visit: Benefit paid $150
Medical testing:
Benefit paid $200
Physical rehabilitation ($25 x 10 visits): Benefit paid $250
Concussion injury: Benefit paid $400
Medical equipment:
Benefit paid $100
Reduce Motion
Jesse had a bike accident. Although he has a good medical plan,
his expenses* were more than he expected. Fortunately, he had enrolled in Accident Insurance issued by The Prudential Insurance Company
of America (Prudential), so he didn’t have to dip into his savings.
Follow his journey
3 steps to easy claims filing
Watch how simple our claims process is.
Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. This policy is not a substitute for, nor does it provide for medical coverage or Medicare as defined by federal law, and certain states may require the insured to have medical coverage in order to enroll. The policy or its provisions may include certain limitations and exclusions and vary or be unavailable in some states. Benefit provisions are subject to state and federal mandates. Future mandates will be incorporated into the plan as of the date required by law. If there is a discrepancy between this document and the policy/certificate issued by Prudential, the Group Contract will govern. For details concerning entire coverage, review your policy/certificate carefully. Contract Series: 83500.
© 2024 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
1081288-00001-00 14W50_DG_GI290_01
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Click on each pin to see the benefit payment
$7,500
Total benefit paid:
$200
Medical testing
$6,100
Anesthesia
$150
Emergency room visit
$300
Transportation to hospital
Unexpected cost
$400
Concussion injury
$250
Physical rehabilitation
$100
Medical equipment
Simplifying fracture claims
Prudential paid Jesse for his fracture benefit and automatically paid an initial benefit bundle for additional treatment related to his accident.
No proof of treatment was required.
Initial benefit bundle:
Emergency room visit
Diagnostic testing
Medical equipment
Physical therapy
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.
*Benefits can be used for medical and non-medical purposes.
Names/situations identified in this document are for example/hypothetical/illustrative purposes only. Actual benefits may vary.
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
Close
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
View transcript
Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.
© 2024 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
1081288-00001-00 14W50_DG_GI290_01
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
*Benefits can be used for medical and non-medical purposes.
Disclosures
[DESCRIPTION: The Prudential Rock Logo moves back and forth. It's followed by a Prudential webpage over an animation of a laptop on a table next to a cup of coffee. On the webpage, a mom and dad play with their daughter. To the right of the family, text. Your supplemental health benefits are a smart choice to help you stay on track financially. At the Narrator speaks, the image on the laptop is replaced by three animations. An ambulance, a person perspiring and a person on a operating table attached to a I V drip. Text on screen is spoken by the Narrator.]
[AUDIO:]
>> Filing your supplemental health insurance claim is quick and easy whether your employer offers accident, critical illness, hospital indemnity insurance, or all three.
After all, when you're dealing with an unexpected accident, illness, or hospital stay, the last thing you may need is the hassle of filing a complicated claim.
So Prudential makes it easy.
No paper forms.
No need to chase down medical records.
No fine print or strings attached standing in the way of you and your benefit.
Submit your claims from any device at any time.
Log in to prudential.com/mybenefits.
First-time users complete the registration form to create your username and password.
Choose My Claims, then File a Claim.
[DESCRIPTION: A Prudential web page with the heading, File a Claim for Supplemental Health Benefit. A animated finger selects step one, Claim Details. The finger selects step two, Payment and Documentation. Step three is Review and Submit.]
[AUDIO:]
Follow our simple three-step process.
One, select the reason for your claim.
Tell us what happened, when it happened, and who provided the treatment.
Two, how do you want to be paid?
Review the information provided, give us permission to get information from your doctor so you don't have to, and submit.
[DESCRIPTION: An animation of a woman who smiles whilst she looks at her cell phone. The cell phone page heading reads, You also have the option to file your claim. Below this, the three options are, mail, fax or phone. Small lines bounce out from the cell phone. The cell phone page now reads, payment received, and below this a yellow check mark.]
[AUDIO:]
Check the status of your claim online.
We'll let you know when a decision is reached on your claim and send payments right to you, not your doctor or hospital.
So, with the added financial support, you can focus on getting well.
[DESCRIPTION: Now the smiling woman bends down and strokes her dog. Later, she takes the dog for a walk in the park. The Prudential Rock Logo. Prudential.]
[AUDIO:]
Everything Prudential does is to make it easier and faster for you to get your benefits when you need them most.
Video Title: Employee Supplemental Health Video
Reduce Motion
Jesse had a bike accident. Although he has a good medical plan,
his expenses* were more than he expected. Fortunately, he had enrolled in Accident Insurance issued by The Prudential Insurance Company
of America (Prudential), so he didn’t have to dip into his savings.
Accessibility
Names/situations identified in this document are for example/hypothetical/illustrative purposes only. Actual benefits may vary.