Premier Accident Insurance

Coverage Details

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Provides coverage for accidental loss of life, limbs, sight, speech, or hearing.

This is accident protection coverage that recognizes the financial concerns your family will have if you die or lose use of a limb as the result of a covered accident. As such, it pays the full benefit for the loss of life, any two limbs or sight in both eyes or any combination of limbs and eyes, or loss of speech and hearing; 50% of the full benefit is payable for the loss of a single limb or eye, or loss of speech or hearing.

A Benefit Designed for Physicians: Loss of Use of Limbs

This coverage can pay the full benefit amount you select – up to $1,000,000 – if a covered accident results in the permanent loss of the use of any two limbs.

Choice of Benefit Levels up to $1 million

You can choose the coverage that is right for you: $500,000, $750,000 or $1,000,000. Other coverages are available. Please contact us for additional details. Coverage for your eligible dependents is a percentage of the benefit amount you select.

NOTE: A member’s or spouse’s accidental death and dismemberment full benefit amount will be reduced by 75% on the date the member or spouse attains age 70.

Covered Losses

The benefit amount you select is the maximum benefit (excluding any applicable extra protection benefits) payable for losses resulting from any one covered accident.  Benefits are payable for losses that occur within 365 days after a covered accident; due to exposure to the elements and for an insured’s disappearance following a covered accident. This policy can pay up to the full benefit you select from an accident that occurs while you perform professional services as part of your regular job obligations in a helicopter or other aircraft utilized as an air ambulance.

Benefits Paid for Covered Losses

  • Up to $1,000,000 (the full benefit amount) for loss of: life, irrecoverable loss or use of both hands, both feet, one hand and one foot, or irrecoverable loss of their use; sight in both eyes, total and permanent loss of speech and hearing.
  • Up to $500,000 (50% of the full benefit amount) for irrecoverable loss of use: one hand or one foot, sight in one eye, total and permanent loss of speech or hearing.
  • Up to $250,000 (25% of the full benefit amount) for loss of: thumb and index finger, on one hand.  Loss of thumb and index finger means severance through or proximal to the metacarpophanlangeal joints.

Additional Benefits Paid if Loss of Life Benefit is payable

  • Up to $500,000 (50% of the benefit selected) for loss of life resulting from injuries as a fare-paying passenger on any form of public conveyance operated by a licensed Common Carrier.
  • $50,000 or 50% of your full benefit amount, (whichever is less) for death within 90 days of an automobile accident where seat belts were properly worn.
  • Up to $5,000 for covered expenses incurred to return the insured’s body to the United States, if death is due to a covered accident. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffin and transportation.
  • Up to $10,000 annually (for up to 4 years) for education expenses of insured spouse, domestic partner or dependent children who are enrolled as a full-time student in a college or trade school within one year of the insured member’s or insured spouse’s accidental death.
Underwritten by:

New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
On Policy Form GMR-FACE/G- 30691-0
Under Group Policy No. G-30691-0

NEW YORK LIFE and the NEW YORK LIFE
Box Logo are trademarks of New York Life Insurance
Company. Other trademarks are the property of their
respective owners.

You are guaranteed acceptance if you are under age 70 and actively engaged as a full-time physician (including full-time medical students or residents). Your spouse or domestic partner, under age 70, and all your dependent children through age 26 are also guaranteed acceptance.

Individuals covered under the AMA-sponsored AD&D Plan for the AMA Alliance are not eligible for this insurance protection.

All coverage issued will be effective on the date AMA Insurance Agency, Inc. receives your enrollment form and New York Life approves your request, provided your premium is paid when due.  You’ll have a full 30 days to review your Certificate of Insurance.  Physicians must be actively at work on the date the insurance is to take effect; otherwise, insurance will take effect when physician resumes work.

You can renew your coverage up to the premium renewal date up to your 80th birthday – as long as premiums are paid on time, the AMA does not sponsor similar insurance and the group policy remains in force. Coverage for your spouse terminates if they cease to be your lawful spouse.  Coverage for your dependent children terminates when your insurance ends or they are no longer eligible.  A member’s or spouse’s accidental death and dismemberment full benefit amount will reduce by 75% on the date the member or spouse attains age 70.

The following losses are excluded:

Air Travel – A loss that occurs during or is a direct result of the COVERED PERSON’S travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless the COVERED PERSON is traveling solely as a passenger, except that: this solely as a passenger requirement does not apply to any COVERED PERSON who as part of his/her regular job performs medical duties or professional services in an aircraft utilized for the purpose of medical transport.

Disease/Infirmity – A loss that is due to or related to: (a) disease or bodily infirmity of mind or body; (b) medical or surgical treatment of such disease or bodily infirmity; or (c) bacterial infections, except infections which occur as the result of an: (1) accidental cut or wound; or (2) accidental ingestion of contaminated material.

Self-Inflicted Injury/Suicide – A loss that: (a) is due to or is related to: (1) suicide; (2) an attempt at suicide; or (3) an intentionally self-inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally injuring oneself; while the COVERED PERSON is sane or insane (except for Missouri residents for whom suicide while insane is no defense to payment of accidental death benefits); voluntary intake of alcohol or narcotics/controlled substances (unless taken as prescribed by a doctor other than yourself, business associate or family member).

Treatment – A loss that: (a) occurs during; (b) is due to; or (c) is related to: any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the COVERED PERSON to benefits; volunatry intake of alcohol or narcotics/controlled substances (unless taken as prescribed by a doctor other than yourself, business associate or family member.)

War Conditions – A loss that: (a) occurs during; (b) is due to; or (c) is related to: the COVERED PERSON’S engagement in any of the following in a role other than as a victim: (a) in war, (b) an act of war, or (c) an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared.

This policy is not currently available in:

NH, UT, VT and WA

Carrier Information
New York Life Logo

Group Premier Accident Insurance is Underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
On Policy Form GMR-FACE/G-30691-0
Under Group Policy No. G-30691-0

NEW YORK LIFE and the NEW YORK LIFE
Box Logo are trademarks of New York Life Insurance
Company. Other trademarks are the property of their
respective owners.

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. Not all group coverage it underwrites is available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID# is 66915.

AMA Insurance incurs costs in connection with providing oversight and administrative support for this insurance and is reimbursed for these costs. The American Medical Association also incurs certain expenses in connection with the insurance and is reimbursed for such expenses.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policy underwritten by New York Life Insurance Company. Exclusions, limitations, reduction of benefits and terms under which the policy may be continued in full or discontinued are detailed in the Certificate of Insurance issued to each insured individual and complete details are in the Group policy issued to the policyholder. This program may vary and may not be available to residents of all states

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888.627.5902
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Monday – Friday

SMRU #1766472