This is a brief overview describing general feature of Value Benefits of America's (VBA) Premier Plan
design policies; It is not a contract. All provisions of each policy as set out in the policy
apply. These benefits are association benefits and not an insurance policy. VBA at it's sole
discretion may alter or change benefits upon notification.

(The accident coverage information contained herein is a brief summary only and is subject to all provisions,limitations and exceptions set forth in the Policy. Please refer to your outline of coverage for the exceptions and limitations. Payment will be for benefits described in your Certificate of Coverage.)

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Value Benefits of America
Insurance Plan Name - VBA Premier $10,000 Plan

Individual Rate - $44.95 per month
Family Rate - $58.95 per month

Plan Highlights

• Pays up to $10,000 per person, per accident
• $250 Deductible
• Pays you directly
• Use any doctor, emergency room or hospital
• $4,000 Emergency Air Ambulance Including Helicopter
• $10,000 Accidental Death & Dismemberment per member
• $500 Auto and Truck Personal Deductible Reimbursement
• $150 Weekly Disability Income for Accidents

VBA Benefits

Accident Benefits $10,000 Accident Medical Coverage for each family member, per occurrence Any Doctor, Emergency Room, Clinic or Hospital Medical Services means the costs for: Medically necessary treatment by a physician, nurse, dentist, hospital room and board, outpatient surgery, use of an ambulance, dental work to sound teeth, drugs, medicines, diagnostic tests and x-rays, oxygen, casts, splints, crutches, blood plasma, treatment performed by licensed medical professional and rental of durable medical equipment. Benefits are excess of other coverage and are underwritten by an Excellent Rated Carrier by AM Best. $250 Deductible Pays you directly, unless you assign Go to any Doctor, Emergency Room, or Hospital

Accidental Death & Dismemberment $10,000 Accidental Death & Dismemberment for each covered member 24 Hour Coverage For Each Covered Family Member If a covered family member’s injury results in a loss, as defined in your certificate of coverage, within one year after the accident causing the loss, we will pay $10,000.00 for loss of life. Also benefits for loss of limb and sight are shown in the schedule of benefits. Accidental Death & Dismemberment coverage is underwritten by an Excellent Rated Carrier by AM Best.

Emergency Air Ambulance $4,000.00, for Air Ambulance Transportation Worldwide Coverage For Each Covered Family Member Most medical plans only cover ground ambulance. If, as a result of injury, a member incurs covered expenses starting within 90 days from the date of the accident causing the injury, we pay, with no deductible and not to exceed the overall maximum benefit amount of $4,000.00, for Air Ambulance Transportation Only. Emergency Air Ambulance benefits are underwritten by an Excellent Rated Carrier by AM Best. Worldwide Coverage Transportation by air only

Auto and Truck Personal Deductible Reimbursement $500, for Auto and Truck Personal Deductible Reimbursement Reimburses the deductible amount on a primary Automotive policy when a covered collision loss exceeds it to a maximum of $500.00 up to twice annually. Underwritten by a Superior Rated Carrier by AM Best. This benefit becomes effective one month after the effective date of your VBA membership.

Weekly Disability Income for Accidents $150, for Weekly Disability Income for Accidents If, as a result of injury, the primary member becomes totally disabled, as defined in your certificate of coverage, we will pay the weekly benefit amount of $150.00. This benefit begins on the 15th day from the start of the continuous disability. We will pay this benefit amount for as long as the primary member is so disabled from any one accident, but not longer than the maximum number of 26 weeks. Partial disability benefit maximum period is 6 weeks. Disability benefits are underwritten by an Excellent Rated Carrier by AM Best.