Excess/Secondary Insurance coverage designed to supplement and coordinate with existing primary medical policies. Provides up to 52 (or 104) weeks of benefits on an excess basis. If no primary plan is in place, this policy will act as primary coverage, though still within the terms of the accident policy. Standard Accident Insurance limits are between $5,000 and $100,000 per injury, with deductibles available from $0 to $2,500. Sub-limits apply for Physical Therapy, Chiropractic Treatment, Orthopedic Devices and Prescription Drugs.