Accident Insurance

Accident Insurance

Overview

An unexpected injury-related accident could mean a trip to the emergency room. And unanticipated ,uncovered, after-treatment ER bills can add up quick. Your major medical insurance will help with many of your expenses, but wouldn't you feel better knowing you'll have extra help paying some of your bills?

 

Tell Me More

Group Accident Insurance is here to make life a little easier for whatever you need while recovering from an accident or injury. Additional features include:

  • Pay you directly, so you can choose how to spend the money.
  • Pay you for what happens, regardless of your other coverage.
  • Goes with you if you leave your employer.
  • Provide coverage without answering any medical questions. 
  • Gives you the option to cover your spouse and children.
  • Pays an additional 25 percent benefit if your child, 18 or under, is injured playing organized sports.
  • You pay the same premium for as long as you have your coverage.
  • Provides the convenience of having your premium payments deducted directly from your paycheck. 
Enrollment

Add accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.

 

ENROLL NOW

 

The Health Maintenance Screening Benefit will pay $50 to you and your covered dependents each calendar year. Click here to download a Health Screening claim form. Please call 800-634-1743 for additional information and download the Health Maintenance Screening Benefit pdf that is listed in the right column.

 

To file a claim visit standard.com and login. Download how to file a claim pdf that is listed in the right column.

 

Contact Us

Questions about your payroll deductions for this benefit, open enrollment or other Bank of Hawai'i general benefits questions? The HR Service Center is ready to assist you!

Mercer Discretionary Benefits helps facilitate these plans with the Bank of Hawai'i.
 

 Phone
1-877-277-2898
 Hours
 M-F 8a-5p HST
 Email
hr@boh.com

How It Works

Accident Insurance - Plan Overview

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Accident Insurance Summary
Accident Insurance Flyer
Health Maintenance Screening Benefit
How To File A Claim

 

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Standard Insurance Company

    For more than 100 years, we have been dedicated to our core purpose: to help people achieve financial well-being and peace of mind. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of group employee benefits. to learn more about products from The standard, visit us at www.standard.com. 

     

    The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. 

  • How can this help me?

    Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

    • Ambulance ride
    • Casts
    • Use of the emergency room
    • Wheelchairs
    • Surgery and Anesthesia
    • Crutches
    • Stitches
    • Bandages


    These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected trips to the emergency room.

  • When can I enroll?

    As a new hire, you can enroll within 31 days of your date of hire. All other employees, you may enroll during your annual enrollment period or within 31 days of your Change in Family Status. 
  • Will I have to take a medical exam to get this coverage?

    No! For the initial Open Enrollment period and for new hires added throughout the year, this coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).
  • What types of accidents and injuries am I covered for?

    Once you’re enrolled in this coverage, you’ll collect benefits for more than 150 different covered events, including

    • Fractures
    • Dislocations
    • Second and third degree burns
    • Skin grafts
    • Torn knee cartilage
    • Concussions
    • Cuts/lacerations
    • Eye injuries
    • Coma
    • Broken teeth

     

    You’ll also receive a lump-sum payment when you have these covered medical services/treatments:

    • Ambulance
    • Emergency care
    • Inpatient surgery
    • Outpatient surgery
    • Medical Testing Benefits including:
      • X-rays
      • MRIs
      • CT scans
    • Physician follow-up visits
    • Transportation
    • Home modifications
    • Therapy services including:
      • Physical and occupational therapy
Client Disclaimer

 

The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued. 

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. 


HMS is not available in all states or on all products. 


Not all tests are available in all states or on all products. Please reference you certificate Group Accident, Critical Illness and Hospital Indemnity insurance are limited benefits polices. Group insurance is called Specific Disease insurance in New York and Vermont. Hospital Indemnity insurance is not available in all states. 


The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. 

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.