Premier Accident Insurance
Frequently Asked Questions
You are guaranteed acceptance in this plan if you are under age 70 and actively engaged as a full-time physician.
Your spouse or domestic partner, under age 70, and all your unmarried, dependent children up to age 18 (up to age 26 if unmarried and full-time students) are also guaranteed acceptance as dependents under your coverage.
No. No medical testing or health questions are required to enroll; your acceptance is guaranteed.
Yes. As a physician, you are guaranteed approval for this coverage as long as you are under age 70. No pre-existing condition limitations apply, and no medical exam is required.
If your spouse and children meet the eligibility requirements, their approval as dependents under your coverage is also guaranteed.
You can select $1,000,000, $750,000 or $500,000 in coverage.
View the Semi-Annual Rates Table on this site to determine your cost for coverage.
No. Membership in the AMA is not required to apply, although Members pay less.
This plan pays benefits for accidental death or specified injuries related to a covered accident.
Your benefits go directly to you or to your beneficiary, not to a doctor or hospital.
No benefits are paid for losses that result from or are caused directly, indirectly, wholly or partly by: war or act of war, declared or undeclared; suicide or intentionally self-inflicted injury while sane or insane (for Missouri residents, suicide or self-inflicted injury while sane); mental infirmity; bacterial infections (except infections occurring simultaneously with and due to an accidental injury) or any kind of sickness or disease; piloting or acting as a member of the flight crew of any aircraft (any person who as a part of their regular job performs duties or professional services in an aircraft utilized for the purpose of transporting a patient will not be considered a part of the flight crew); flight in an aircraft as a passenger, except an aircraft which is licensed to carry passengers and operated by a licensed pilot, or is a specific transport aircraft operated by the Military Air Command of the United States or similar service of Canada or Great Britain.
Your coverage is effective upon our receipt of your enrollment form, provided your first premium is paid when due.
No. You will not be asked to send any payment now or to provide any credit card or other confidential information with your enrollment form. Your first premium payment is not due until after you receive your billing notice, which will be enclosed with your Certificate of Insurance.
You'll have a full 30 days after you receive your Certificate of Insurance to make sure you're completely satisfied with your coverage. If you change your mind, you can return your certificate within that 30-day period and get a full refund of any premium paid.
Since 1988, AMA Insurance has been offering high-quality, economical coverage designed to meet the unique needs of physicians nationwide. We can take advantage of the buying power available to America's one million physicians to secure competitive rates and physician-focused coverage you won't find anywhere else.