your community can ride smart with Balance.
Your riders aren't just customers. They're your friends & neighbors - and they're all a part of your community. When accidents happen, our program can help them catch their financial Balance.
Every day, more riders are discovering your city on two wheels. But they're competing with cars, and often in unfamiliar territory. As cities and bikeshare systems grow, are you ready for accidents that occur?
That’s where Balance for Bikeshare comes in. We provide serious injury coverage for every rider, on every ride. The cost is embedded into each trip for just pennies per ride. If an accident occurs, you'll be making a difference in your rider's life with Balance.
We're different than other insurance programs. Balance pays your customers directly in addition to any other insurance they may have. See plan details below.
Serious Injury Coverage
Traumatic Brain Injury
Balance is the first insurance plan to offer a benefit specifically for traumatic brain injury (TBI) from a bicycle accident, with a $50,000 benefit for severe TBIs and $25,000 for moderate TBIs.
If a covered accident results in paralysis in one or more limbs, Balance has a $50,000 benefit for quadriplegia, hemiplegia, or paraplegia, and $25,000 for uniplegia.
Loss of Limb (Dismemberment)
If a loss of or more body members occurs (i.e. arm, leg, hand, foot or eye) resulting from a covered accident, your customer is covered with a benefit up to $50,000.
In the case of death due to injuries sustained in a covered accident, the rider's family or designated beneficiary will receive $50,000.
If any of your riders suffer a covered accident, Balance provides $300 a day for up to 60 days in hospital.
Emergency Care Treatment
There's no time to worry about costs during an emergency. Balance offers your customers an extra $300 per visit payable for treatment in an Emergency Room and $150 per visit for treatment in an Urgent Care Center.
So long as treatment is received within 72 hours of a covered accident, Balance pays $75 per visit for up to 10 visits with a physical therapist. Treatment must begin within 60 days of the accident.
When you need an ambulance, we reimburse up to $5,000 for air or up to $500 for ground ambulance expenses when medically necessary, in excess of what your customer's insurance covers.
get your community in Balance.
Interested in our Balance for Bikeshare program? Please fill out our request form here and provide us with more information on your community's Bikeshare program. After we've received your info request, we'll get in touch with you as soon as possible.
Not sure where to begin? Simply contact us and we'll get you in Balance.
This is accident insurance coverage. It is not comprehensive health insurance coverage and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to www.healthcare.gov.
Copyright © Affinity Group Underwriters 3/2018. Ver 1.05