Markel Smart Accident Medical is designed to be an affordable way to protect you and your family from the high cost of unexpected accidents.
Why Smart Accident Insurance?
To help you and your family with the high cost of
health care resulting from accidents.
They happen and the last thing you want to worry about is who or
how the bills are going to get paid.
With this plan you can focus on getting care.
Freedom to choose your own doctors and hospitals
Up to $250,000 of Maximum Coverage
In-Hospital and Out-patient benefits
Physician Services
Surgery in a Hospital or Ambulatory Surgical Center
Intensive Care
X-Ray and Laboratory
Ambulance Services
Emergency Room visits
*Benefits vary by state. Refer to your coverage document for specific terms and conditions.
You and your spouse under age 65 (and not eligible for Medicare) and you and your spouse's unmarried dependent children under age 19 (or under age 25 if a full-time student) who have a social security number. Children age 19 and over should apply separately. Child-only coverage is available for ages 2 through 18. The application must be completed and signed by the parent or legal guardian.
The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on expiration date listed in your coverage document.
Pre-admission certification prior to eligible
inpatient hospitalization or surgery by the covered individual within 48
hours is required. This is not a guarantee of benefits. Failure to
precertify will result in a benefit reduction of 50%. Call
1-800-874-2378 for precertification.
Coverage ends when: the premium is not paid when due; you enter
full-time active duty in the Armed Forces; you become eligible for
Medicare; the policy expires; the elected coverage period expires; The
Insurance Company determines fraud or misrepresentation has been made in
filing a claim for benefits; or a dependent ceases to be eligible.
Exclusions & Limitations
This Accident Medical insurance does not cover: preexisting conditions*; any sickness or illness; services that are not medically necessary; Eye exams, eyeglasses, hearing aids and related surgeries. This is not a complete list of the limitations and exclusions. Please see the detailed list in policy certificate you will receive when you purchase Comprehensive Accident Medical Insurance.
Is there a pre-existing condition limitation?
*Pre-existing conditions are not covered. This includes any condition or
complication that was treated or produced symptoms three years prior to
your Smart Accident Medical effective date.
This plan does not cover "pre-existing conditions". A pre-existing
condition is any medical condition for which the covered person required
medical treatment, consultation, or expense during the 3 years
immediately prior to his/her coverage effective date or which provides
symptoms within 3 years immediately prior to his/her effective date of
Insurance. The pre-existing condition limitation may vary by state.
Child Only Directions
You can purchase coverage for your children. Use the 0-24 premium rate (male or female, based on their gender) for the youngest child; and the per child rate for each of the child siblings to be insured. The minimum age for a child only coverage is 2 years old. The application must be completed and signed by the parent or legal guardian.
Payment Options & Methods
Markel Smart Accident Medical lets you choose the payment option (monthly, quarterly, semi-annual, or annual) and payment method (automatic bank draft, credit card, or personal check) that’s most convenient for you. Note - If you prefer to make payment(s) by personal check or money order, you must mail your completed application form and initial payment.
Payment Modes
Monthly Payment - Only available to automatic billing through Credit Card or Bank withdrawal
Quarterly, Semi-Annual, Annual Payment - Available through automatic billing through Credit Card or Bank. Clients may be billed through the mail for these payment options (extra billing fee may apply).
Personal Check: You will receive email/mail billings notices requesting that payment is due. The 1st payment will reflect a credit equal to your initial payment. Subsequent payments, must be received by SASid on or before the payment due dates shown on payment coupons.
Automatic Bank Draft or Credit Card: Your initial payment and subsequent payments (based on payment mode) will be automatically debited (on or immediately following the payment due dates) from your bank account or your MasterCard / VISA that is identified on the Electronic Payment Authorization form. If you wish to discontinue coverage before your Benefit Period expires, simply mail or fax your written request for termination to and we will discontinue future automated electronic debits.
Note - 5 days advance written and signed notice from the Primary Insured is required to ensure future credit card debits are discontinued.
Mail or fax notice to:
Markel Smart Accident Insurance
PO Box 1086
Janesville, WI 53547-1086
FAX 608-755-7955
If you submit the application form and initial payment via:
Internet or facsimile: the earliest date that coverage can begin (if approved) is 12:01 a.m. on the day after we receive the completed application form and valid electronic payment information. A later effective date may be requested, but no more than 30 days following the application date. Note - payment must be made by automatic bank draft or MasterCard / VISA.
U.S. Mail: the earliest date that coverage can begin (if approved) is 12:01 a.m. on the day after the postmark date stamped by the U.S.P.S. on the envelope in which we receive the completed application form and payment for the total amount due. If the U.S.P.S. postmark date is not legible or present, the earliest date that coverage can begin is the day after the completed application form and payment for the correct plan cost are received. A later effective date may be requested, but no more than 30 days following the application date.
IMPORTANT – The coverage Effective Date is determined by Markel and will be shown in the Policy or Certificate that is issued. No agent or agency has the authority to bind, modify or issue coverage. Issuance of coverage is subject to carrier's acceptance of the submitted application form and your initial payment.
Coverage will terminate on the earliest of the following dates:
The last day of the period through which the premium is paid; or the date the Insured ceases to be eligible.
A written statement must be faxed to our office and it needs to include:
Name ● Date of Birth ● Social Security Number ● Policy Number with Termination Date ● Signature
This must be faxed to 608-755-7955. Once the fax is received the policy will be canceled. To avoid being charged for another month we must receive the fax 5 days prior to the billing date. Your billing date is the date of your application. A letter confirming the cancellation will be mailed. A refund will be issued if the policy is within the 10-day free look. However, the fees are non-refundable. If the policy is beyond the 10-day free look, no refund is due.
Immediately
following receipt and approval of your submitted application form, a
Policy or Certificate will be issued and mailed to your residence/home
address. Please read the Policy or Certificate carefully. It
is important to us that you understand and are satisfied with the Smart
Accident insurance plan. If you are not satisfied that this
coverage will meet your insurance needs, simply return the Policy or
Certificate with your written and signed request for cancellation within
10 days after you receive it. Coverage will be canceled as of the
effective date and you will receive a refund of your initial premium
payment – no questions asked!
Note: the application and administration fees are non-refundable.