Accident, Critical Illness, & Hospital Plans - Specialized Protection for Life's Unexpected Moments

While traditional health insurance plans offer a broad scope of coverage, specific life events or conditions can result in expenses that go beyond the standard coverage. At Kelley’s Insurance Services, we understand the importance of specialized coverage for such events. Our tailored Accident, Critical Illness, and Hospital Plans are designed to provide added security when you and your family need it the most.

1. Accident Insurance Plans

Overview: Accident insurance provides a lump-sum payment if you experience a covered accident, helping you pay for out-of-pocket expenses.

Key Benefits:

  • Covers costs that your main insurance might not, such as deductibles or non-covered services.
  • Can help with non-medical expenses, like transportation or home modifications.

Ideal For:

  • Families with active lifestyles.
  • Those with high-deductible primary insurance plans.

2. Critical Illness Insurance Plans

Overview: Critical illness insurance offers a lump-sum payment upon diagnosis of a covered critical illness, such as heart attack, stroke, or cancer.

Key Benefits:

  • Provides financial support during a challenging time, allowing you to focus on recovery.
  • Can be used for medical or non-medical expenses, from treatments to daily bills.

Ideal For:

  • Those without significant savings.
  • Individuals with a family history of specific critical illnesses.

3. Hospital Plans

Overview: Hospital insurance provides payments when you're hospitalized, helping cover the costs associated with a hospital stay.

Key Benefits:

  • Assists with copays, deductibles, and services not covered by primary insurance.
  • Can help cover lost income due to hospitalization.

Ideal For:

  • Those with primary insurance plans that have high out-of-pocket hospital costs.
  • Families or individuals who want peace of mind for unexpected hospital stays.

4. Making the Most of These Specialized Plans

  • Understand Your Coverage: Familiarize yourself with what each policy covers. Know the specifics of incidents or diagnoses covered.
  • Combine for Comprehensive Protection: Consider having multiple plans. For instance, an Accident Plan combined with a Critical Illness Plan can offer broad protection.
  • Annual Review: Situations change. Review your policies annually with Kelley’s Insurance Services to ensure they remain aligned with your needs.
  • Use as a Supplement: These plans are designed to work alongside traditional health insurance, filling in coverage gaps.
  • Consult Kelley’s Insurance Services: Our team is here to guide you through the details of each plan, ensuring optimal protection for your specific circumstances.
For a deep dive into Accident, Critical Illness, and Hospital Plans, and how they can fortify your protection, contact us at Kelley’s Insurance Services. We're committed to safeguarding you and your family from life's unforeseen challenges.

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Ken is really the best out there! When it comes to advice, he always puts his clients first, not the insurance companies! I trust, respect, and recommend him to anyone!


Ken is on top of his game with amazing customer sever and knowledge. Highly recommend him.


Ken Kelley provides excellent professional services! He is knowledgeable and personable, genuinely interested in his customers!


Ken with Kelley Insurance Services is amazing! He is very knowledgeable and was a Medicare genius!


Ken is one of the most honest guys that I know. Without question, you can trust his advice! I would recommend Ken to everyone who is looking for Medicare, life, health, or dental insurance!



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