Accident Insurance: Benefits When the Unexpected Happens

Accident insurance pays a fixed cash benefit when you suffer a covered injury—such as fractures, burns, dislocations, or emergency room visits. Benefits are paid directly to you and can be used for medical bills, transportation, childcare, or everyday expenses.

Why consider accident coverage

• Supplements major medical: Helps with deductibles and out-of-pocket costs.
• No network restrictions: Use benefits however you need after a qualifying event.
• Affordable premiums: Often available for individuals and families.
• Wellness benefits: Some plans include annual health screening payments.

Common covered services

• Emergency room and urgent care visits
• Hospital admission and confinement
• Surgery and anesthesia
• Physical therapy and follow-up care
• Accidental death and dismemberment (optional)

Accident insurance adds a financial safety net for active families, workers in physical jobs, and anyone with a high-deductible health plan.