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More reasons to say "Yes" today

Even a short hospital stay can strain a family budget when you've got monthly bills to pay. Spend your cash benefits anyway you want. Pay rent, credit card bills, auto loans, and more. When your family may need it most, you'll appreciate the financial helping hand this Hospital Accident Insurance can deliver.

Spend your cash benefits any way you want for

Mortgage
Groceries
Credit Card
Bills
Utilities
Any Other
Bill!
Auto Loans
Auto Loans
Auto Loans
Child Care
Every penny is paid in addition to other insurance you may have.
These lump-sum claims checks are payable directly to you.
Older Couple Riding Bicycles

Easy to get. Easy to keep.

You Can't Be Turned Down Due to Age or Health

No Medical Exam Required

No Health Questions

Mother and Son Playing

60-Day
100% Money Back Guarantee*

Give your loved ones the financial help they deserve.

Get Started
*If you are not happy with the Hospital Accident Insurance for any reason, and you have not submitted a claim that has been paid, or will be paid, simply contact us within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.

1In most states, confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75 (except in MN). Outpatient Emergency Room benefits do not reduce due to age. This plan may not be available to residents of all states. Please see the Summary of Benefits below for exclusions, limitations, and terms of coverage. This offer is null and void if United States trade or economic sanctions prohibit us from offering or providing insurance. Insurance is underwritten by Federal Insurance Company, a Chubb company.

Chubb is the marketing name used to refer to the subsidiaries of Chubb Limited providing insurance and related services may not be available by Federal Insurance Company. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, P.O. Box 1600, Whitehouse Station, NJ 08889-1600.

For California residents: Insurance product is offered by Affinion Benefits Insurance Services, Inc. Underwritten by Federal Insurance Company.

Please tell us where you live:

Please select a state

This plan may not be available to residents of all states.
CHUBB
Insurance is underwritten by Federal Insurance Company, a Chubb company.
Chubb is a global insurance leader - the world's largest publicly traded property and casualty insurer, with operations in 54 countries, exceptional financial strength, and a broad range of personal insurance products. Chubb combines the precision of craftsmanship with decades of experience to conceive, craft and deliver the very best insurance coverage and service to individuals and families.

All of those products and services are backed by Chubb's exceptional financial strength. They are the world's largest publicly traded P&C company with total assets of $154 billion, and net loss reserves, which are used to pay claims, of $47 billion. So when you are insured by Chubb, you're insured with confidence.

Questions? Look Here

Are there other ways to enroll?
Simply call 1-877-517-0555 toll free and a friendly representative will assist you by mailing you the form you need to enroll.
Can I get insurance for my spouse and family, too?
Simply select the family plan, it will automatically cover you, your spouse or domestic partner and all your dependent children. Your daily In-Hospital, emergency room, and Intensive Care Unit benefits will be the full amount you have selected on your enrollment form. Your spouse or domestic partner will receive 50% of this amount and each of your dependent children will receive 20%. If there are no eligible children, your spouse or domestic partner will receive 60% of your amount; if there is no spouse or domestic partner, each dependent child will receive 40%.
Do I have to take a medical exam or answer a lot of health questions?
No medical exams, blood tests, or health questions are required to get and keep this coverage.
Who provides this insurance?
Federal Insurance Company, a Chubb company, is the underwriter.
Are there any additional benefits?
You automatically receive the following benefit (Except in MN):
Inflation Protection — for each year from the plan effective date, the In-Hospital, Intensive Care, and Emergency Room Benefits will increase by 10% for as long as your coverage is in force until it reaches 150% of the original amount. Please refer to the Summary of Benefits below, or once insured, your Insurance Coverage Document for specific details.
What exclusions apply?
Exclusions may vary based on your state of residence. Please review the Summary of Benefits for the exclusions in your state.
Who is covered under the Family Plan?
The Family Plan would provide coverage for you, your spouse or domestic partner and all your dependent children. Please refer to the Summary of Benefits for more detailed information.
Is there an age cutoff?
There is no termination age; however, confinement benefits reduce by 50% at age 65 and reduce to 25% at age 75 (except in MN). Your Outpatient Emergency Room benefits do not reduce due to age.
What if I have other insurance?
This insurance will pay all cash benefits due to a covered accident regardless of any other insurance that you may have.
Are on-the-job accidents covered?
Yes. Your coverage is effective 24 hours a day, anywhere in the world.
Who is Affinion Benefits Group, LLC? Who is MyOnlineInsurance?
Affinion Benefits Group, LLC is the Plan Administrator for this Randolph Brooks Federal Credit Union-sponsored insurance coverage. Randolph Brooks Federal Credit Union is our client. www.MyOnlineInsurance.com is the members-access website service, sponsored and wholly owned by Affinion Benefits Group, LLC.
How will I be billed for my coverage?
The coverage you select will be conveniently billed to the account provided at the time of enrollment.
What day does the premium come out of my account?
About the 5th day of your billing cycle due date.
What if I am not happy with this plan?
You have a no-risk, 60-Day, 100% Money Back Guarantee. If you are not happy with the insurance for any reason, and you have not submitted a claim that has been paid, or will be paid, simply contact us within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.
How do I file a claim?
You can complete our Insurance Claim Forms or contact our Member Care center, and a representative will be glad to assist you in filing a claim.
Why do you need my hospital records to process a claim?
These records are required by the insurance company to verify you were hospital confined and that the primary cause of the hospital confinement was due to a covered accident because this is Hospital Accident Plan insurance.
What if I can't get an accident report?
Submit all information that you have relevant to the accident, including a police report if there is one, and the insurer will contact you if more information is needed.