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What is Accident Insurance?

Everyday life can result in an accident or injury at any moment. You can’t always prevent this but you can be prepared with an Accident Insurance plan. Accident Insurance pays cash benefits for covered injuries that can be used towards out-of-pocket medical expenses when an unexpected accident occurs. It may not be health insurance, but it can help cover the gaps in your healthcare coverage.

There for you when it matters the most. Accident Insurance is here to help you prepare for the unexpected. Don’t let an accident interrupt your life and your finances.

Product Details

Accident insurance pays cash benefits if you are injured in a covered accident, and may help provide essential funds for medical costs, household expenses or other needs.

Plan in Action - See how it helped Melissa

If you are wondering how does Accident Insurance work in a real-life? It will depend on the type of coverage you have and the injury you sustain. Remember, the most important thing if you get in an accident is to focus on getting treatment immediately.

Melissa swerved to avoid a car while cycling, and falls hard from her bike, injuring her hip.

The scenario summarized above is offered only as an example. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy.

The scenario summarized above is offered only as an example. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy.

What coverage looks like

Let’s take Melissa’s scenario of hip surgery and hospital treatment.

Melissa’s Treatment Benefit Amounts++
Ambulance Up to $500
Emergency Room Treatment Up to $500
Surgery Treatment for her hip Up to $1,500
Follow-up Visit with her primary care doctor Up to $50
Hospital Stay for 6 days Up to $100/day
Expert Medical Opinion Included
What may be paid to Melissa+ Up to $3,150
Melissa’s Treatment
Benefit Amounts++
  • Up to $500 Ambulance
  • Up to $500 Emergency Room Treatment
  • Up to $1,500 Surgery Treatment for her hip
  • Up to $50 Follow-up Visit with her primary care doctor
  • Up to $100/day Hospital Stay for 6 days
  • Included Expert Medical Opinion

What may be paid to Melissa+

Up to$3,150

The Accident Insurance Enhanced Individual Plan may pay Karen up to $3,150 that may help cover some of her out of pocket medical expenses or may be used towards groceries and bills while she recovers.

+Coverage based on Accident Insurance Enhanced Individual Plan terms and conditions. Actual coverage may vary by state and by plan selected. Please review the Terms and Conditions for details of coverage in your state on the next page. This story is a fictional example and should not be used as basis for any specific decision making. Coverage will depend on the actual facts of each case and the terms, conditions and exclusions of the policy.

++Benefit amounts are dependent on the plan selected and the premium will vary with the amount of the benefits selected.

The Accident Insurance Enhanced Individual Plan can pay Melissa up to $3,150 that can help cover her out-of-pocket medical expenses or can be used toward other household bills so she can focus on her recovery. The Accident Insurance Enhanced Individual Plan, not only includes insurance benefits, but also includes Expert Medical Opinion services which connect her with a personal advisor who can assist her in confirming her diagnosis and can help her secure appointments with a top specialist for her physical therapy.

The scenario summarized above is offered only as an example. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy.

What can our Accident Insurance cover?

Our Accident Insurance covers a range of accidental injuries from breaking an arm to needing stitches from a bike accident. Our Accident Insurance Plans include the following insurance coverages depending on your coverage level selection because everyone’s needs, and budget are different. 

Hospital Treatment

Including ICU admission and stays

Emergency Care

Including emergency room visits

Follow-Up Care

Including follow-up visits with your primary care doctor

Ambulance Services

Recuperation Care

Benefit can be used towards physical therapy sessions

Injury treatment

Treatment for a qualifying dislocation and/or fracture

Is Accident Insurance worth it?

For an affordable price starting at $5 a month, an Accident Insurance plan can help alleviate the out-of-pocket costs you may acquire due to a covered accident. Reduce the financial burden of medical bills when the unexpected happens. No matter who you are, even if you are accident prone - you can find the plan that fits your needs and your wallet.

Look beyond coverage and expect more support

Our Accident Insurance plans can include these services to meet your needs. +++

Expert Medical Opinion

Provides independent opinions from respected leaders in the medical field that could help avoid unnecessary procedures and/or expenses.

Secure Email & Digital Vault

Helps store and send your valuable medical information.

My eWellness

Online tools available for you to help you achieve your health goals.

 

+ Coverage based on Accident & Sickness Insurance Enhanced Family Plan terms and conditions. Actual coverage may vary by state and by plan selected. Please review the Terms and Conditions for details of coverage in your state on the next page.
This story is a fictional example and should not be used as basis for any specific decision making. Coverage will depend on the actual facts of each case and the terms, conditions and exclusions of the policy.
++ Benefit amounts are dependent on the plan selected and the premium will vary with the amount of the benefits selected.
+++ Not all non-insurance services are provided in all plans.

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Look to the future with confidence with Accident Insurance.

For questions or to apply, call 855-853-3043

Important Notice: The Plan provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, major medical or sickness coverage.