CrownSafe Premium Hair System Protection

Because your crown deserves world-class coverage.

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Coverage Tiers & Premium Pricing

Premium Luxury Protection for Daily-Wear Hair Systems

Our rates reflect the extreme daily risk exposure and critical nature of high-end hair systems including cranial prostheses, medical wigs, and luxury hair replacement systems. Unlike stored luxury items, hair systems face constant exposure to heat, chemicals, physical stress, and theft risk while being essential for daily function.

New Hair System Coverage (Under 18 Months)

Tier 1: Ultra-Premium Vacuum Seal HD Units ($10,000+)

Eligible Products: HDVSW ($15k+), 3DHD ($12k+), and equivalent ultra-premium systems from other luxury manufacturers

• Monthly Premium: $150 ($15k+ systems) / $120 ($12-15k systems)

• Annual Premium: $1,800 / $1,440

• Deductible by Damage Type:

  • Minor Repairs/Styling Damage: $150

  • Major Accidental Damage: $400

  • Total Replacement (Theft/Loss): $600

Tier 2: Advanced Cranial Prosthesis ($7,000-$10,000)

Eligible Products: CPL ($6,900-$8,700+), AHDP ($7,200-$9,600+), VSW ($7,200-$9,600+), and comparable premium systems from other manufacturers

• Monthly Premium: $90

• Annual Premium: $1,080

• Deductible by Damage Type:

  • Minor Repairs/Styling Damage: $125

  • Major Accidental Damage: $300

  • Total Replacement (Theft/Loss): $450

Tier 3: Premium Hair Systems (Under $6,900)

Eligible Products: Dream Lace, Matrix, Hybrid systems from HDCAS, HDH, HIHV collections, and other luxury hair system brands

• Monthly Premium: $60

• Annual Premium: $720

• Deductible by Damage Type:

  • Minor Repairs/Styling Damage: $100

  • Major Accidental Damage: $250

  • Total Replacement (Theft/Loss): $350

Multi-Brand Coverage Policy

We Cover Most Luxury Hair System Brands

CrownSafe proudly provides protection for premium hair systems from leading manufacturers, not just Hairline Illusions products.

Eligible Luxury Brands Include:

• Hairline Illusions (All product lines)

• Leading medical wig and cranial prosthesis manufacturers with documented quality standards

• Custom hair system studios with professional certification

• Established luxury hair replacement brands meeting our quality criteria

• High-end toupee and hair piece manufacturers with proven track records

Brand Qualification Requirements:

• Purchase price minimum: $3,000+ for insurance eligibility

• Professional documentation: Purchase receipt from certified provider

• Quality verification: Professional assessment of construction and materials

• Manufacturer reputation: Established brand with quality warranty standards

Replacement Policy for Other Brands:

When Non-Hairline Illusions Hair Systems Are Damaged/Lost:

NO CASH SETTLEMENTS - Direct Replacement Only:

• Option 1: Equivalent new Hairline Illusions model (recommended)

• Option 2: Direct replacement coordination with original manufacturer

• Option 3: Trade up to premium Hairline Illusions model (customer pays difference)

Important: CrownSafe NEVER provides cash payments. All claims result in direct hair system repairs or replacement only.

Replacement Value Calculation:

• Under 18 months: Full replacement with equivalent new hair system

• 18+ months Heritage Plan: Replacement based on assessed current value equivalency

• Customer pays applicable deductible - we handle all replacement coordination

Why We Cover Competing Brands:

• Market leadership: Only comprehensive hair system insurance available

• Customer service: Protect existing investments regardless of brand

• Industry support: Strengthen the entire luxury hair system market

• Future relationships: Convert satisfied customers to Hairline Illusions quality

Heritage Protection Plan (For Existing Hair Systems 18+ Months Old)

Eligibility Requirements for Older Systems:

• Professional assessment required - $100 assessment fee with credit program applies

• Enhanced inspection by certified CrownSafe technician

• Current condition photos from multiple angles (customer-provided initially)

• Original purchase receipt or professional appraisal

• Care history documentation showing proper maintenance

• Additional documentation may be required for systems over 36 months

Coverage Structure:

18-36 Months Old:

• Coverage at 75% of assessed current value

• 25% premium surcharge applied to new system base rates (additional $40/$30/$25/$15 monthly by tier)

• All standard coverage types included

36+ Months Old:

• Catastrophic Loss Only coverage

• Covers: Theft, fire, flood, total accidental destruction

• Excludes: Manufacturing defects, gradual wear, professional service damage

• 50% premium surcharge applied to new system base rates (additional $75/$60/$45/$30 monthly by tier)

• Coverage at assessed current value only

Heritage Plan Deductibles (By Damage Type):

18-36 Months:

• Minor Repairs: Standard deductible + $50

• Major Damage: Standard deductible + $75

• Total Replacement: Standard deductible + $100

36+ Months (Catastrophic Coverage Only):

• Theft/Fire/Total Loss: Standard deductible + $150

Assessment Process:

1. Schedule inspection within 30 days of application

2. Professional evaluation of current condition and remaining lifespan

3. Value assessment based on current market replacement cost

4. Coverage approval based on inspection results

5. Custom premium calculation based on age, condition, and coverage type

Heritage Plan Limitations:

• Maximum 1 claim per year for systems over 36 months

• No coverage for pre-existing wear patterns or damage

• Direct replacement only - no cash settlements

• Replacement with equivalent current model prosthetic from Hairline Illusions

• Higher scrutiny for all claims on older systems

Premium Value Proposition

Why Premium Pricing for Premium Protection:

Extreme Daily Risk Exposure:

• 12+ hours daily wear vs. luxury items stored safely

• Constant heat exposure from styling tools and blow dryers

• Chemical exposure from hair products, pools, and treatments

• Physical stress from daily activities and exercise

• High theft risk - valuable, portable, easily concealed items

Critical Need Factor:

• Cannot function without replacement hair system

• Professional/social necessity during medical treatment or for daily confidence

• No temporary alternatives available for many users

• Immediate replacement required for quality of life

Unmatched Service Level:

• Only comprehensive hair system insurance available in market

• Multi-brand coverage - protect ANY luxury hair system, not just our own

• Direct replacement guarantee with new Hairline Illusions products

• Express service network with same-day solutions

• Professional fitting included in all replacements

• Latest technology upgrades available during claims

Important: Direct Service Policy

CrownSafe provides HAIR SYSTEM REPAIRS OR REPLACEMENT, not cash settlements.

When your hair system is damaged, lost, or stolen, we provide:

• Professional repair service for repairable damage

• Brand new hair system replacement when repair isn't feasible

• Equivalent or upgraded features to your original hair system

• Professional fitting and customization included

• Same quality tier as your covered hair system

Benefits of Direct Service:

• Guaranteed quality - Professional repairs or new Hairline Illusions hair systems

• No shopping required - We handle the entire repair/replacement process

• Professional service - Expert repair work and proper fitting included

• Latest technology - Access to current models and improvements when replacement needed

• Faster process - No waiting for claim settlements and separate purchases

You pay only your deductible - we handle everything else.

Comprehensive Coverage

What's Covered:

✓ Total Loss Protection

• Theft from home, vehicle, or while traveling

• Loss during travel (including lost luggage)

• Fire, flood, natural disaster damage

• Irreparable damage from accidents

✓ Accidental Damage

• Heat damage from styling tools (blow dryers, curling irons, straighteners)

• Chemical damage from hair products, swimming pools, or cleaning agents

• Physical damage from drops, crushing, or impact

• Color damage from sun exposure or chemical reactions

• Adhesive damage affecting base integrity

✓ Manufacturing Defects

• Premature hair loss beyond normal wear

• Cap deterioration before expected lifespan

• Construction failures in base materials

• Adhesive system failures

✓ Professional Service Damage

• Damage during professional styling or maintenance

• Salon accidents during cleaning or styling

• Color service mishaps

• Improper handling by hair professionals

✓ Travel & Lifestyle Coverage

• Worldwide protection (24/7/365)

• Damage during sports or recreational activities

• Wedding or special event emergencies

• Business travel protection

Service Benefits

Direct Service Model (No Cash Settlements)

Important: Hairline Illusions provides direct hair system repairs or replacements only - no monetary payments are made to customers.

• Professional repair service up to original purchase value

• New hair system replacement when repair isn't cost-effective or feasible

• Equivalent quality and features to damaged/lost hair system

• Current product line substitution if original model discontinued

• No depreciation for hair systems under 2 years old (Heritage Plan: assessed current value)

Rush Repair & Replacement Service

• Emergency repair or replacement within 5-7 business days

• Express Service at Partner Locations: Same-day assessment and temporary prosthetic

• Temporary prosthetic provided if needed (rental cost covered)

Partner Service Network

Authorized Service Locations:

• Partner hair salons with certified technicians

• Hairline Illusions flagship locations

• Mobile service units for urgent cases

• Express replacement kiosks at major medical centers

Same-Day Services Available:

• Damage assessment and temporary prosthetic fitting

• Minor repair services for qualifying damage

• Express replacement for in-stock models

• Emergency styling and color matching

Professional Assessment Value

Why Our Assessment is Worth $100

Expert Hair System Analysis:

• Certified technician evaluation by CrownSafe specialists

• Construction quality assessment using industry-leading standards

• Current market value determination for accurate coverage

• Remaining lifespan estimation based on wear patterns and construction

Valuable Care Insights:

• Personalized maintenance recommendations to extend system life

• Product compatibility guidance for cleaning and styling

• Damage prevention strategies based on your specific system

• Professional storage and handling tips

Comprehensive Documentation:

• Detailed condition report with high-resolution photography

• Quality verification certificate for insurance records

• Care instruction manual customized to your system

• Baseline documentation for future claim reference

Assessment Credit Benefit:

• 100% credit toward first month premium when you enroll (Tier 1-3)

• 50% credit available if approved for different tier

• Keep all documentation and recommendations regardless of enrollment decision

• No additional fees - assessment value included in your premium

Professional hair system assessment alone typically costs $150-250 at independent facilities. Our assessment is included with enrollment consideration and credited toward your coverage.

Policy Terms & Conditions

Enrollment Requirements & Assessment Process

Professional Hair System Assessment - $100

Required for all CrownSafe applications to ensure coverage eligibility and determine accurate premium tier

Assessment Credit Program:

• $100 evaluation fee paid upfront (non-refundable)

• Mail-in professional assessment by certified CrownSafe technicians

• $100 full credit toward first month premium when approved and enrolled

• $50 partial credit if approved for different coverage tier than expected

• Detailed assessment report provided regardless of enrollment decision

What's Included in Your Assessment:

• Professional condition evaluation and documentation

• Hair system quality verification and construction analysis

• Current market value assessment for coverage calculation

• Care recommendations to extend system lifespan

• Insurance eligibility determination with tier placement

• Comprehensive photo documentation for policy records

Required Documentation:

• Completed assessment application with health questionnaire

• Original purchase receipt or professional appraisal documentation

• Initial photos from multiple angles (customer-provided)

• Brand verification: Manufacturer certification for non-Hairline Illusions products

• Assessment fee payment ($100) to initiate evaluation process

Assessment Timeline:

1. Payment received - Assessment kit mailed within 2 business days

2. Customer ships system - Prepaid return shipping included

3. Professional evaluation - Complete assessment within 5-7 business days

4. Results notification - Detailed report and coverage options provided

5. Enrollment decision - Customer has 30 days to activate coverage with credit applied

Coverage Effective Date

Coverage begins only after successful assessment and first premium payment (minus assessment credit)

Immediate Coverage (Upon First Premium Payment After Assessment):

• Theft and burglary

• Fire, flood, and natural disasters

• Accidental damage from external causes

30-Day Waiting Period (From Coverage Start Date):

• Manufacturing defects

• Professional service damage

• Claims related to pre-existing wear or damage

Coverage begins at 12:01 AM Eastern Time on the effective date following successful assessment and premium payment

Assessment Credit Application:

• $100 assessment fee automatically applied as credit toward first month premium

• Remaining balance due before coverage activation

• No additional fees beyond standard monthly premium

Claims Process & Required Documentation

Step 1: Report Claim (Within 72 Hours)

Contact: 1-866-777-7567 or online at www.hairlineillusions.com/claims

Step 2: Submit Required Documentation

For ALL Claims:

• Completed claim form

• Original purchase receipt or professional appraisal

• Photos of damaged prosthetic (if recoverable)

• Copy of insurance policy certificate

For THEFT Claims:

• Police report (filed within 24 hours of discovery)

• List of stolen items with serial numbers/identifying features

• Security footage (if available from location of theft)

• Witness statements (if theft was witnessed)

• Travel itinerary (if theft occurred while traveling)

For LOSS Claims:

• Incident report from airline/hotel/transportation company (if applicable)

• Travel documentation (boarding passes, hotel receipts, etc.)

• Written statement detailing circumstances of loss

• Search efforts documentation (proof of reasonable attempts to locate)

For DAMAGE Claims:

• Before and after photographs showing extent of damage

• Professional assessment from certified hair technician (if available)

• Incident report from salon/spa (if damage occurred during professional service)

• Chemical product labels (if chemical damage occurred)

• Medical documentation (if damage resulted from medical treatment/emergency)

For FIRE/FLOOD/NATURAL DISASTER Claims:

• Official incident report from fire department/emergency services

• Insurance adjuster report from homeowner's/renter's insurance

• Photos of damaged property and prosthetic

• Weather service reports (for weather-related damage)

For MANUFACTURING DEFECT Claims:

• Detailed photos showing defect/premature wear

• Timeline documentation of normal use and care

• Professional evaluation from hair technician

• Care product receipts proving proper maintenance

Step 3: Professional Assessment

• Certified technician examination (arranged by Hairline Illusions)

• Damage evaluation and repair feasibility assessment

• Cost estimate for repair vs. replacement

Step 4: Claim Resolution (5-10 Business Days)

• Coverage verification and claim approval/denial

• Settlement amount determination

• Repair authorization or replacement coordination

Step 5: Resolution

• Repair: Professional repair coordination at approved facilities

• Replacement: New hair system order processing through Hairline Illusions

• Total Loss: Direct replacement with equivalent new hair system (customer pays applicable deductible)

Documentation Requirements by Claim Type

Claim TypePolice ReportProfessional AssessmentPhotos RequiredTimeline to Report

Theft✓ RequiredRecommended✓ If recovered24 hours

LossIf suspiciousRecommended✓ If recovered72 hours

Accidental DamageIf vandalism✓ Required✓ Required72 hours

Fire/Flood✓ If arson suspected✓ Required✓ Required72 hours

Manufacturing DefectNot required✓ Required✓ Required30 days

Professional Service DamageNot required✓ Required✓ Required72 hours

Claim Investigation Process

Routine Claims (Under $2,000):

• Documentation review within 2 business days

• Approval/denial within 5 business days

• No additional investigation required

Complex Claims ($2,000+):

• Independent adjuster assessment may be required

• Additional documentation may be requested

• Investigation period up to 15 business days

• Expert consultation for unusual circumstances

Fraudulent Claims:

• Full investigation with law enforcement cooperation

• Policy cancellation and premium forfeiture

• Potential legal action and criminal charges

Coverage Limitations

• Maximum 2 claims per 12-month period

• Replacement limited to similar quality and features

• Custom upgrades require additional payment

• Claims frequency may affect renewal rates

Exclusions

What's NOT Covered:

✗ Normal Wear & Tear

• Expected fading, thinning, or styling changes over time

• Regular maintenance and cleaning costs

• Routine adjustments and minor repairs

✗ Intentional Damage

• Deliberate destruction or alteration

• Cosmetic changes or style modifications

• Experimental treatments or products

✗ Improper Care

• Damage from using non-recommended products

• Neglect or failure to follow care instructions

• Storage in improper conditions

• Skipped routine maintenance appointments

✗ Pre-existing Conditions

• Damage present before coverage begins

• Known defects not disclosed during enrollment

• Prosthetics beyond recommended replacement timeline

✗ War & Nuclear Risks

• Damage from war, terrorism, or nuclear incidents

• Government seizure or confiscation

Additional Benefits

Multi-Unit & Upgrade Benefits

• 15% discount on second prosthetic insurance

• 25% discount on third prosthetic insurance

• Family plan discounts available for household members

Technology Upgrade Program

During Replacement Claims:

• Latest model upgrades available for additional cost

• Feature enhancement options (better base materials, advanced cap construction)

• Color and style updates to current trends

• Trade-up credit applied toward premium models

Loyalty Rewards & Express Service

• Priority Express Service for long-term clients

• Upgraded temporary prosthetics during repairs

• Annual maintenance visits at partner locations

• VIP replacement concierge service for Tier 1 customers

Loyalty Rewards

• 5% premium reduction after 2 claim-free years

• 10% premium reduction after 5 claim-free years

• Priority customer service for long-term clients

Emergency Support

• 24/7 claims hotline

• Emergency replacement coordination

• Travel assistance for hair system emergencies

• Concierge service for urgent situations

Payment & Cancellation

Payment Terms

• Monthly automatic payment from bank account or credit card

• Annual payment option with 5% discount

• 30-day grace period for late payments

• Coverage suspended after 60 days non-payment

Cancellation Policy

• Cancel anytime with 30-day written notice

• Pro-rated refunds for annual payments

• No cancellation fees

• Coverage continues through end of paid period

Renewal Terms

• Automatic annual renewal

• Premium adjustments based on claims history

• Coverage updates to reflect prosthetic value changes

• 60-day advance notice of any premium changes

Contact Information

Claims Department: 1-866-777-7567 Option 1007 or  (646) 405-7126 Fax (646) 381-2540

Customer Service: Monday-Friday 8AM-6PM ESTEmergency Line: 24/7/365 support Email: claims@hairlineillusions.com 

This protection plan is underwritten by [Insurance Partner] and administered by CrownSafe through Hairline Illusions. Policy terms and conditions subject to state regulations and may vary by location. This document provides a summary of coverage - complete policy terms available upon request.