As a OneAZ member, you have access to a range of affordable insurance plans designed to help you prepare for life's unexpected moments. Whether you're recovering from a covered injury, facing hospitalization, or planning financial support for your family's future, you can explore options from trusted providers. We're here to help you find coverage that fits your needs, so you can feel more prepared and supported - no matter what life brings.
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Accidental Death and Dismemberment Insurance (AD&D)
Get $2,000 in no-cost coverage — paid for by OneAZ.
Accidents can happen when you least expect them. As a member age 18 or older, you’re automatically eligible for $2,000 of no-cost accidental death and dismemberment insurance — with the option to get up to $500,000 in additional coverage. All coverage reduces by 50% at age 70, regardless of age at enrollment.
- Guaranteed acceptance – no health questions, no medical exams.
- Fast, easy enrollment.
- Coverage underwritten by Minnesota Life Insurance Company.
Hospital Accident Plan (HAP)
Even a short hospitalization can strain a family budget when you have monthly bills to pay. Spend your benefits any way you want. Pay rent, credit card bills, auto loans, and more. With the Hospital Accident Insurance plan underwritten by Zurich American Insurance Company, you'll appreciate the financial helping hand this coverage can deliver.
When a covered accident sends you to the hospital, this plan pays you directly — no matter what other insurance you have.
- Intensive Care $1,800/day, up to $12,600 a week and $657,000/year max.
- Hospital Confinement $900/day, up to $6,300 a week and $328,500/year max.
- Emergency Room visits $450/day
- Benefits paid directly to you.
Benefits reduce due to age, beginning at age 65. The Hospital Accident Insurance Plan benefits described are underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC #16535). This insurance provides limited benefits and is intended to help supplement Comprehensive Coverage. See the site for terms and conditions, including exclusions and limitations. This insurance does not provide Major Medical or Comprehensive Medical Coverage and is not designed to replace Major Medical insurance. Coverage may not be available in all states or certain terms, conditions, and exclusions may be different where required by law.
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Recuperative Care Plan (RCP)
Get benefits while you get better - even for pre-existing conditions.
Whether you're hospitalized due to illness or a covered accident, this plan helps cover everyday expenses while you recover.
- Accident-related hospitalization
$200/day coverage for hospitalization due to sickness.
Up to $1,400/week and $73,000/year maximum. - Illness-related hospitalization
$400/day coverage for any hospitalization due to accident.
Up to $2,800/week and $146,000/year maximum. - Guaranteed acceptance — no medical exams or health questions.
- Benefits paid directly to you, on top of any other insurance.
You’ll receive personalized enrollment instructions when you're eligible. Coverage is underwritten by Zurich American Insurance Company.
All benefits reduce to 50% at age 65 and to 25% at age 75 and older regardless of age at enrollment. Insurance product offered by Franklin Madison Group LLC. For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Insurance is underwritten by Zurich American Insurance Company. The Hospital Indemnity Insurance Plan benefits described are underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC #16535). This insurance provides limited benefits. Coverage may not be available in all states or certain terms, conditions, and exclusions may be different where required by law.
Why Choose Insurance Through OneAZ?
- Flexible options for every life stage
- Member-exclusive pricing
- Backed by trusted national carriers
- Coverage designed to supplement your existing insurance
