The forms will be offered and marketed as supplemental insurance and not as a substitute for hospital or medical expense insurance or major medical insurance. Benefits provided are not intended to cover all medical expenses. There is no coordination of benefits. Please note all benefits are indemnity based. The level of benefits is not based on the amount of expenses incurred.
The group policy provides benefits for accidents and is designed to be sold as either off job or on job/off job coverage for the named insured. Benefits are also available for spouse and dependent children.
Coverage will be marketed in employer/employee and association or union groups by licensed Colonial Life & Accident Insurance Company agents and through relationships with insurance brokers.