Hospital Accident Protection (HAP)

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Coverage in Case of a Hospital Stay

Defray the cost of an accident-related injury with Hospital Accident Protection (HAP). This supplemental coverage pays a daily cash benefit to you while you are in the hospital due to an accident.

How Accident Insurance works:

  • Accident insurance pays in addition to any other insurance you may have
  • Acceptance is guaranteed for CommunityAmerica members age 18 and over
  • No medical exam or health questions required
  • 60-day, 100% money-back guarantee1
  • Your choice of hospital
  • You may use the money however you wish

Coverage includes:

  • $1,800 a day cash benefit – up to 365 days of intensive care
  • $900 a day cash benefit – up to 365 days of hospital confinement
  • $450 per emergency room treatment

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Profit Payout

As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout2. This year we gave back $8.4 million to our members. See how having insurance with us could help you grow your share.
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Green Insurance Agency

The CommunityAmerica Insurance Agency is committed to operating a sustainable, green business. To do our part in our community, we also contribute to a number of local environmentally friendly organizations.   
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Life Insurance

Our Insurance Agents are here to help you find the right policy to set your loved ones up for financial security.
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High Interest Savings

Grow your money faster at a rate of up to 4.00% APY3 on balances up to $1,500.
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Cashback Free Checking

Earn 1% cash back on the first $500 of monthly purchases4.
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For joint accounts, signator will be primary insured person. Must be age 18 or older. Confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75. Outpatient Emergency Room benefits do not reduce due to age.

Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:


Are Not Federally Insured

Involve Investment Risk

May Lose Value

Are Not Obligations or Guaranteed by the Credit Union