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Accident Insurance
Accident Insurance
With Accident insurance, you'll receive a lump-sum payment for a covered injury and related services. You can use the payment in any way you choose – from expenses not covered by your major medical plan to day-to-day costs of living such as the mortgage or your utility bills.
Plan Summary
Accident Insurance
Highlights
Coverage is Guaranteed
Guarantee issue means that you can elect coverage without having your current or past medical history taken into account nor will you have to submit an Evidence of Insurability form. Please refer to your policy for more information.
Portability
Portability allows you to continue your coverage without going through Evidence of Insurability.
Why Accident Insurance?
Example – For Illustrative Purposes Only
Accident Insurance Example
| Ground Ambulance | $150 |
| Emergency Treatment | $300 |
| Diagnostic Exam (MRI) | $200 |
| Abdominal Surgery | $1,500 |
| Follow-Up Office Visit (up to 6 visits) | $75 |
| Hospital Admission | $1,000 |
| Hospital Confinement | $1,200 |
| Physical Therapy ($38 per session x 6) | $228 |
| Shoulder Dislocation | $450 |
| Total Benefit Paid to Jacob | $5,103 |
- Jacob is in an auto accident suffering severe internal injuries and a shoulder dislocation.
- He is taken by ambulance to the emergency room.
- An MRI is performed, followed by abdominal surgery.
- He is released from the hospital after 4 days and begins physical therapy for his shoulder.
File a Claim
How to file a claim
To improve your claims experience, this document explains how to submit a claim.
File a claim
Want to file online? Click the button below to start your claim.
Frequently Asked Questions
Why do I need Accident Insurance if I have medical insurance?
It compliments your medical coverage which helps you to pay for expenses that can occur with an unexpected accident such as x-rays, ambulance services, and deductibles.
Does this replace my major medical insurance?
No. Accident Insurance is not a substitute for medical insurance. Accident Insurance is designed to help offset unexpected medical expenses due to a covered accident.
What does Accident Insurance cover?
Accident insurance provides benefits for covered accidental injuries, related services and treatments. Examples include: Diagnostic exams, x-rays and other emergency services, Initial and follow-up physician visits, Ambulance transportation, Hospital admission and confinement.