Don’t Let an Accident Break the Bank
The expenses of an accident can add up fast, especially when it keeps you from working. Make sure you’re prepared for costs that health insurance won’t cover, like deductibles, copays, coinsurance and out-of-network treatments.
How Accident Insurance Works
Learn the three simple steps of Accident insurance.
1. An accident happens
Health insurance may cover many care-related costs after your deductible. But you may still have copays and out-of-pocket expenses.
2. Simply file a claim
Once approved, we help protect your finances by paying benefits directly to you. You get to decide how to spend that money.
3. Focus on recovery, not finances
With extra financial support, you can focus on recovering, not unplanned expenses.
Flexible Benefits to Cover Unexpected Costs
Group Accident insurance pays benefits to you and your family, not to providers. You’ll get a lump sum to spend on whatever you need, from deductibles and copays to groceries and alternative treatments.
Wellness Benefits
A Health Maintenance Screening Benefit1 may be included where you can get paid a benefit for routine screenings such as cholesterol checks, mental health assessments and testing for COVID-19.2
Extra Support for Youth Sports
Receive an extra 25% of total benefits for injuries sustained during organized youth sports.
Get a Direct Payment
Your benefits are paid to you directly, not to a hospital or medical provider.
Cover Copays, Bills and More
Pay for expenses or treatments not covered by health insurance.
Explore How Coverage Can Help
Read how real customers used Accident insurance.
While cleaning the gutters, Kang lost his footing and fell. He tried ice for the pain, but it worsened the next day. An urgent care facility determined he had a fractured arm and dislocated elbow. After treatment, he would need physical therapy to regain mobility. Accident insurance benefits helped protect his savings from the out-of-pocket costs he faced.
Kang's insurance benefits helped pay for:
- Urgent care
- X-rays
- Dislocated elbow and arm fracture treatment
- Physician follow-up
- 2 sessions of physical therapy
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Emily's 15-year-old daughter was playing soccer when her leg got tangled with her opponent. When she was unable to walk on it, Emily took her to the emergency room. Scans revealed a torn ACL and meniscus. After knee surgery, Emily used her Accident insurance benefit to help cover copays, therapy, devices and more. With the youth organized sports benefit, Emily received a payment for an extra 25% of total benefits.
Emily's insurance benefits helped pay for:
- Emergency room costs
- X-rays
- MRI
- Knee surgery
- Surgical facility
- Crutches
- Physician follow-up
- Two sessions of physical therapy
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Warren was mountain biking when he went over the handlebars and landed badly on his hand and shoulder. An X-ray in the emergency room showed wrist and collarbone injuries that kept him in the hospital overnight. Accident insurance benefits helped him to cover expenses from the injury, including his medical insurance deductible.
Warren's insurance benefits helped pay for:
- Ambulance costs
- Emergency room treatment
- X-rays
- Dislocated collarbone and wrist fracture treatment
- Hospital admission
- One-day hospital stay
- Physician follow-up
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Dante was visiting a nearby city when he was struck by a car. An ambulance took him to the hospital, where he was diagnosed with multiple fractures and admitted to the hospital for five days.
His Accident insurance helped to cover copayments, deductibles, physical therapy and his family's travel expenses.
Dante's insurance benefits helped pay for:
- Ambulance costs
- Emergency room
- CAT scan
- Hospital admission
- Five-day hospital stay
- Leg fracture and kneecap fracture treatment
- Two physician follow-ups
- Two sessions of physical therapy
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Video: Learn the How and Why
Learn the basics of Accident insurance with this short video.
Find More Ways to Protect Your Income
Protect your finances if you experience a serious illness or injury. If your employer offers Critical Illness insurance, you can get a lump-sum benefit to help with costs not covered by your health insurance.
Any hospital stay can leave you with out-of-pocket expenses not covered by health insurance. If your employer offers it, Hospital Indemnity insurance benefits can help you pay the bills, so you can focus on feeling better.