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Secure Saver

Secure Saver protects you and your pocketbook! Instead of a calendar-year deductible, this plan offers a choice of four daily maximums. Choose a daily-deductible maximum of $250 for individual coverage and your expenses will not exceed $250 per day for any covered expense. All other covered medical services are subject to the daily maximum.

Special Features…

  • Choose any doctor or hospital
  • Choice of $250, $500, $750 and $1,000 deductibles
  • $2 Million lifetime maximum per covered person
  • Single payment discounts for 30-180 days
  • Accept payment by: check, money order, MasterCard,
    Visa, Discover or automatic monthly bank draft

Payments to suit your situation
Secure Saver offers two options for payment: monthly order, credit card or automatic bank withdrawal. If your
need for coverage ends earlier than expected, simply send written notification. Monthly payment is available for
up to 364 days.  If you know exactly how many days you need coverage, you can pay the entire premium up front at a reduced rate. Single payments can be made for a minimum of 30 days to a maximum of 180 days.

Pre-existing condition limitation
Secure Saver will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment.

Effective date
Coverage begins as early as the day following your online application submission or the postmark date stamped on your envelope. You may request a later effective date up to 60 days after the application date.
All coverage is subject to approval and payment of the first premium.

Right to return period
If you are not completely satisfied with this coverage and have not filed a claim, you may return the Certificate of Insurance within 10 days and receive a premium refund.

Coverage length
Secure Saver is specifically designed to fill a temporary insurance need. Coverage stops at the end of the period for which you apply. Depending on the payment option you select, coverage can continue for 30 to 364 days.

Coverage termination
Coverage ends on the earliest of the date: the premium is not paid when due; you cease to be a member of the association4; the group master policy terminates; you enter full-time active duty in the armed forces; or Standard Security Life Insurance Company of New York determines fraud or misrepresentation has been made in filing a claim for benefits. A dependent’s coverage ends on the earliest of the date: your coverage terminates; the dependent becomes eligible for Medicare; or the dependent ceases to be eligible.

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