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Medical Rider
Additional Protection at a Price You Can Afford

You have the option to purchase the Medical Expense Rider at renewal time. The Medical Expense Rider extends your Personal Accident certificate up to $1,100 in benefits per covered accident (please refer to the Personal Accident certificate for the list of covered accidents).

The Medical Rider that is available at renewal is only $6.00 per year per member. This rider increases the Personal Accident certificate benefit up to $1,100. If you are currently not enrolled in the Medical Expense Rider plan, you may add this valuable benefit now at renewal time by checking the "Yes" box and submitting $6.00 per member with your membership renewal dues.

The Medical Expense Rider becomes effective once the Club receives your payment of $6.00 per member.

If you enroll in the Medical Expense Rider plan and submit the premium, please retain the policy under "View Policy".
This is Not Medicare Supplement Insurance
Some health care services paid for by Medicare may also trigger the payment of benefits under this policy.

This insurance provides limited benefits, if you meet the policy conditions, for hospital or medical expenses that result from covered accidental injury. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.

Medicare generally pays for most or all of these covered expenses. Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include: 
hospitalizationhospitalizationhospitalizationphysician serviceshospitalizationother approved items and services

This policy must pay benefits without regard to other health insurance benefit coverage to which you may be entitled under Medicare or other insurance.
Before You Buy This Insurance
  • Check the coverage in all health insurance policies you already have.
  • For more information about Medicare and Medicare Supplement insurance, review the "Guide to Health Insurance for People with Medicare", available from the insurance company.
  • For help in understanding your health insurance, contact you state insurance department or state senior insurance counseling program.
You are not covered for loss resulting from:  suicide or any attempt at suicide; racing or testing any auto on tracks or speedway; military service in time of war; being employed as a policeman, fireman, or railroad crew member; alcohol, voluntary intoxication or the voluntary taking of any drug, except under the supervision and control of a doctor; committing an assault or any crime; riding a motorcycle, tricycle or bicycle; air travel, except as a fare-paying passenger on a common carrier; gas, poison, asphyxiation; disease, bodily infirmity or sickness; or drowning in a pool or beach.