American General Life Companies announced AG Accident Choice Plus(SM), an insurance product that provides benefits, regardless of other health coverage, for a wide range of emergency medical costs -- from emergency room visits to physical therapy to diagnostic exams, even surgery -- related to accidental injuries. Available riders offer coverage in the event of critical illness, accidental death and dismemberment, and inability to work due to an accidental injury. This product is issued by American General Life Insurance Company. The highlights of AG Accident Choice Plus include: No coordination with major medical insurance -- the policy pays benefits regardless of, and in addition to, proceeds from any other coverage. Dollar-for-dollar reimbursement up to the policy amount for covered medical expenses made directly to the policy holder -- not to medical providers. No network restrictions -- clients can access any hospital, physician or medical facility. No waiting period to use benefits -- claims can be submitted immediately. No lifetime limit -- no matter how many accidents occur. Multiple payment options, including electronic funds transfer (EFT) and credit card. Critical Illness Rider -- provides a one-time, lump sum payout on initial diagnosis of invasive cancer, heart attack or stroke. Accidental Death & Disability Rider -- provides a payout for disability income in the event of an accidental death or dismemberment. Accidental Disability Income Rider -- provides a lump sum payment as protection against loss of income in the event of disability due to an accident. Benefits are paid regardless of other disability coverage, such as worker's compensation or Social Security. Clients can choose accident coverage in benefit amounts of $5,000 to $25,000 (in $5,000 increments), with three options of annual deductible ($100, $300 or $500). The deductible only has to be satisfied once per calendar year for each covered individual -- and with a family plan, after out-of-pocket expenses reach twice the chosen deductible, additional claims for the year are paid from the first dollar, up to the maximum policy benefit. Eligible expenses (up to the calendar year maximum benefit as a result of a covered accident) include: emergency room and urgent care center visits; hospital, surgery and physician charges; physical therapy; ambulance; major diagnostic exams; X-rays; prosthesis; and drugs administered in a hospital or urgent care center. Refer to the Outline of Coverage for detailed information regarding benefits and exclusions.