To get maximum protection at a low rate, start your application with the Affordable Choice, giving hospital indemnity protection with doctor's office visits. Once completed, check your email to continue and enroll in a Critical Illness Plan and a 24 hr Accident Expense Plan. Both will give you cash for medical expenses. The Critical Illness policy gives you cash for a diagnosed illness such as cancer, stroke, and heart attach. The 24 hr Accident Expense Plan gives you cash for injuries such as broken bones, cuts, burns, etc. Apply below.