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Coverage is not available in all states and may vary by state.

What is Accident & Sickness Insurance?

No matter what precautions we take, accidents and illnesses DO happen. Our Accident and Sickness Insurance Plans pay cash benefits when you suffer a covered injury or illness regardless of your health insurance. These are cash benefits that can be used however you like - for household expenses or for your recovery.

There for you when it matters the most. Accident & Sickness Insurance is here to help provide relief when a covered accident or sickness creates unexpected expenses for you and your family. Let us worry about the unexpected. You take care of you.

Product Details

Our Accident & Sickness Insurance plans provides cash benefits for a covered accident or sickness. Benefits may help cover out-of-pocket medical expenses or other needs.

Plan in action - see how it helped John

So, if you are asking yourself, how can Accident & Sickness Insurance help me? It will depend on your injury or illness and the coverage you have. But rest assured, we will be there every step of the way to help if you have a covered injury or illness.

John is not feeling well for 2 days, he has been having a persistent cough and fever and goes to the hospital for treatment.

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 John's scenario of being diagnosed with COVID and his hospital treatment.

John's Treatment Benefit Amounts++
Hospital Treatment for 4 days Up to $400/day
Intensive Care Unit for 2 days Up to $100/day
Follow-up Visit with his primary care doctor Up to $50/visit
24/7 Nurse Help Line Included
What Can John's Plan Pay+ Up to $1,850
John's Treatment
Benefit Amounts++
  • Up to $400/day Hospital Treatment for 4 days
  • Up to $100/day Intensive Care Unit for 2 days
  • Up to $50/visit Follow-up Visit with his primary care doctor
  • Included 24/7 Nurse Help Line

What Can John's Plan Pay+

Up to$1,850

The Accident & Sickness Insurance Enhanced Family Plan can pay John up to $1,850 that can help cover his out-of-pocket medical expenses or can be used toward other household bills so he can focus on his recovery. Our plans can include more than just insurance; John’s plan also includes 24/7 Nurse Help Line services which connect John to a nurse to help answer his questions regarding post-treatment care and helps provide recommendations on any symptoms he is having conveniently over the phone

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 Accident & Sickness Insurance Enhanced Family Plan can pay John up to $1,850 that can help cover his out-of-pocket medical expenses or can be used toward other household bills so he can focus on his recovery. Our plans can include more than just insurance; John’s plan also includes 24/7 Nurse Help Line services which connect John to a nurse to help answer his questions regarding post-treatment care and helps provide recommendations on any symptoms he is having conveniently over the phone.

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 & Sickness Insurance cover?

Our Accident & Sickness Insurance provides coverage ranging from common accidents and illnesses like a sprained ankle and pneumonia to emergency situations involving surgery and ICU care. Insurance coverages include:

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

Is Accident & Sickness Insurance worth it?

It doesn't matter if you are a plumber, electrician, independent contractor, gig worker, nurse, teacher, no matter your occupation, you could be receiving news about a life-changing illness or fall and hurt your ankle. No matter the severity of the illness or accident, treatments cost money. Hospital bills can add up quickly, and most likely your health insurance will not cover everything and there may be out-of-pocket costs like deductibles, payments and more. That’s why we have created 3 plan options because one size doesn’t fit all. Get the right coverage for you at the right price.

Look beyond coverage and expect more

Our Accident & Sickness Insurance Plans were built to include everyday health and wellness to support you and can include the following services:+++

Expert Medical Opinion

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

24/7 Nurse Help Line

Access to registered nurses anytime to answer questions, assess symptoms and provide recommendations conveniently over the phone.

My Personal Counselor

Provides confidential telephone counseling, and referral service for work-life, issues related to marriage and family, substance abuse, stress, grief and more.

+ 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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Let's get you covered with Accident & Sickness Insurance.

Coverage is not available in all states and may vary by state.

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

IMPORTANT NOTICE: Coverage under the policy does not constitute comprehensive health insurance coverage (a/k/a/ "major medical insurance"). It therefore does not satisfy the "minimum essential coverage" requirements of the Patient Protection and Affordable Care Act. Coverage will not satisfy the individual responsibility requirements of section 5000A of the Internal Revenue Code.