Frequently Asked Questions

Accidental Death Insurance for Medical Procedures (ADIM) is an insurance product designed to fill a gap in traditional insurance policies.


What is Samos?
What is ADIM?
What are elective surgeries?
How can I get in touch with someone?
Where is Samos licensed to operate?
Why do I need ADIM if I have health, group, life or AD&D insurance?


How much does it cost?
What coverage do you offer?
Is my procedure covered?
What procedures aren’t covered?
What if my procedure is rescheduled?
Are there any medical requirements?
How soon before surgery do I need to sign up?
Who can apply for coverage?
How can I access my policy?
How long will a policy cover me?
Do you cover disability or injury due to surgery?
Is there a waiting period?
What if I don’t know my exact procedure name or date?
Does Samos cover me internationally?
I’m visiting from outside the country,
can I purchase a policy?
How do I update or cancel my policy?
Can I extend my policy?
Is there a deductible?


How do I file a claim?
How much time do I have to file a claim?
How long does it take for a claim to be paid?