1. Coverage

This policy provides financial protection in case of accidental injuries, disabilities, or death.

• Medical expenses coverage
• Permanent disability benefits
• Accidental death benefits
• Hospitalization benefits

2. Coverage Limits

Here is the coverage limits section updated to a table format with inline styles:

3. Eligibility

Individuals aged 18 to 65 are eligible for coverage under this accidental insurance policy. This policy provides coverage for accidental injuries, such as fractures, dislocations, lacerations, concussions, and accidental death. To be eligible, individuals must be permanent residents of the United States or Canada. Coverage is not provided for any pre-existing medical conditions. Dependents aged 15 days to 18 years old are also eligible to be covered under this policy when enrolled with a parent or guardian.

4. Exclusions

Self-inflicted injuries would include any harm intentionally caused to oneself, such as suicide attempts. The policy would not provide coverage for medical expenses related to such injuries.

Injuries caused under the influence of drugs or alcohol refers to accidents or harm that occur if the policyholder is intoxicated or high at the time of the incident. If drug or alcohol use was a contributing factor in the injury, it would not be covered.

Hazardous sports generally refer to activities like skydiving, bungee jumping, rock climbing, and other extreme sports that involve a higher degree of risk. Injuries sustained while participating in such sports would not be covered by this policy.

War or military activities is self-explanatory - any injuries or accidents related to acts of war, combat, or military service would not be eligible for reimbursement under this insurance plan.

5. Claims Process

You must submit claims within 30days of the accident  

You should provide as many details as you can about the other vehicles/people involved, the location, time, road/weather conditions etc.

For the necessary documents, you will need to submit things like a copy of your insurance details, any estimates for vehicle repairs, and original itemized bills or receipts for any medical expenses you incurred. For medical bills, you may need a letter from your doctor describing your injuries and treatment as well.

The 15 business day processing period is an estimate - it may be processed sooner. During this time the insurance company will review all the details and documents provided to determine liability and coverage for your claim. They may contact you or others involved for additional information as needed during their investigation.

6. Cancellations

If you cancel your policy you will not be able to get a refund on premiums paid.