NCD AccidentPrime
Accidents Happen.
Be ready with NCD AccidentPrime.
NCD AccidentPrime plans step in where most medical plans stop short, helping you and your loved ones worry less about your wallet and focus on recovery. Underwritten by Zurich American Insurance Company, these Accident Medical Expense (AME) plans include Accidental Death and Dismemberment insurance benefit coverage, and can help you cover medical costs associated with accidents and major accidental injuries.
As National Wellness and Fitness Association (NWFA) member, you'll not only have access to an incredible AME plan. You'll also enjoy great discounts on alternative medicine, chiropractic care, labs, and imaging – all with the white-glove service you've come to trust from NCD.
Some key features of NCD AccidentPrime plans include:
Guaranteed Issue
No medical exam or qualifications necessary for adults ages 18–64.
No Deductible
Access your NCD AccidentPrime benefits right away.
Per-Incident Reset
Accident Medical Expense benefits reset with each new accident; Unlimited accidents.
First-Dollar Coverage
Benefits paid regardless of other coverage, no coordination needed.
High Deductible Bridge
Helps offset your ACA or group plan deductible.
| Plan Benefits |  Talk to an Agent 469-610-2222 |  Talk to an Agent 469-610-2222 |  Talk to an Agent 469-610-2222 |  Talk to an Agent 469-610-2222 |
Primary Accident Medical Expense (AME) Benefit | Up to $5,000 Per Covered Person per Accident | Up to $7,500 Per Covered Person per Accident | Up to $10,000 Per Covered Person per Accident | Up to $15,000 Per Covered Person per Accident |
Deductible | $0 | $0 | $0 | $0 |
Waiting Period for Benefits | None | None | None | None |
Emergency Transportation | $500, 2 per year payable in addition to AME benefit |
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Emergency Treatment | $300, 2 per year payable in addition to AME benefit |
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Accidental Death & Dismemberment | Up to $10,000, Subject to schedule of benefits listed in your insurance certificate. |
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NWFA Benefits** |
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Complementary and Alternative Medicine | ✓ | ✓ | ✓ | ✓ |
Emergency Travel Assistance* | ✓ | ✓ | ✓ | ✓ |
Imaging Discounts | ✓ | ✓ | ✓ |
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Lab Discounts* | ✓ | ✓ |
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Chiropractic Discounts | ✓ |
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**The services described are not insurance and are not provided by Zurich American Insurance Company. |
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| Plan Benefits | Talk to an Agent 469-610-2222 | Talk to an Agent 469-610-2222 | Talk to an Agent 469-610-2222 | Talk to an Agent 469-610-2222 |
Primary Accident Medical Expense (AME) Benefit | Up to $5,000 Per Covered Person per Accident |
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Deductible | $0 | |||
Waiting Period for Benefits | None |
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Emergency Transportation | $500, 2 per year payable in addition to AME benefit |
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Emergency Treatment | $300, 2 per year payable in addition to AME benefit |
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Accidental Death & Dismemberment | Up to $10,000, 2 per year |
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NWFA Benefits** |
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Complementary and Alternative Medicine | ✓ | ✓ | ✓ | ✓ |
Emergency Travel Assistance* | ✓ | ✓ | ✓ | ✓ |
Imaging Discounts | ✓ | ✓ | ✓ |
|
Lab Discounts* | ✓ | ✓ |
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Chiropractic Discounts | ✓ |
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**The services described are not insurance and are not provided by Zurich American Insurance Company. |
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- 20% off select Complementary and Alternative Medicine services, including acupuncture, chiropractic care, massage, nutritional counseling, meditation, and naturopathy.
- Emergency Travel Assistance for trips under 90 days and over 100 miles from home. Includes medical evacuation, referrals, repatriation, and legal support.
- Discounted rates on medical imaging and gastroenterology services like MRI, CT, colonoscopy and more.
- Lab Discounts through DirectLabs©. Access commonly ordered lab tests at reduced prices via a leading direct-access provider.
- Steeper Chiropractic discounts through Uni-Care Chiropractic—free initial consultation; up to 40% discount on diagnostic services!
Members of the NWFA enjoy additional perks and benefits including, but not limited to:
- Hotels
- Prescriptions
- Hearing Aids
- Rental Cars
- Business Services
… as well as access to an AI-powered health and wellness coach for non-emergency wellness questions, planning a custom workout, or developing healthy meal plans.
*Emergency travel assistance not available to members in CT, FL, NY. Laboratory services not available in AZ, NJ, NY, and RI.
Certain restrictions and exclusions may apply. Please see full membership agreement for complete details and instructions on how to access these services. The services described above are not insurance and are not provided by Zurich American Insurance Company.
Learn More About NWFA Benefits Here
The AME benefits are per covered person per accident. First treatment must be within 90 days of the accidental injury, and emergency care must be within 72 hours of the accident. Medical expenses must be incurred within 52 weeks of the accidental Injury.
This policy provides Accident only coverage. The Insurance benefits described are underwritten by Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC # 16535). This document provides a general description of certain provisions and features of this insurance program for informational purposes only and does not revise or amend the applicable policies. In the event of a discrepancy between this document and your certificate of insurance or the group policy, the terms of the group policy shall apply. All benefits are subject to the terms and conditions of the group policy. Please refer to your Certificate of Insurance for a detailed description of the insurance coverage, including the exclusions, limitations, reductions and termination.
Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law. Coverage terminates at age 70. This insurance provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative, it is intended to help supplement Comprehensive coverage. This insurance does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
NCDZPPW-25-01
