Below is a list of sample Terms and Conditions for our policies for your review.
Independence American Insurance Company
Terms and Conditions
For New York:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Pennsylvania:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Oklahoma:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Nebraska:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Michigan:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Idaho:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Georgia:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Arkansas:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For Alabama, Arizona, Connecticut, Mississippi, New Mexico, Tennessee and West Virginia:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
For All Other States:
Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions
Current Policyholders can refer to their terms and conditions through the Toto Customer Portal here.