Accident Insurance
Accidents happen when you least expect them. Safeguard your family and finances from high deductibles and unexpected out-of-pocket medical bills with direct cash benefits.
Get a Free QuoteWhat is Accident Insurance?
Accident insurance is a supplemental policy designed to support your main health insurance plan. If you suffer a covered accidental injury—ranging from a minor sprain to a major bone fracture—the policy pays a lump-sum cash benefit directly to you.
Unlike traditional health insurance, which pays the doctor or hospital directly for medical costs, accident insurance is paid directly to you. This gives you the flexibility to spend the funds on whatever you need most while recovering, from medical deductibles to everyday household bills.
Did you know?
Medical expenses are the leading cause of personal bankruptcy in the United States. Even with good health insurance, out-of-pocket deductibles and coinsurance can quickly add up to thousands of dollars. Accident insurance bridges that gap.
What Does it Cover?
Accident plans provide payout amounts based on the type of injury and the medical services received.
Emergency Care
Covers ambulance rides, emergency room visits, urgent care clinics, and initial diagnostic testing like X-rays or MRIs.
Treatment & Recovery
Benefits for surgeries, hospital confinement, physical therapy, follow-up physician visits, and medical devices.
Daily Expenses
Cash can offset lost wages from missing work, childcare, transportation to appointments, or daily living costs.
Key Benefits of Accident Insurance
Direct Cash Payouts
Benefits are paid directly to you, not the hospital. Use the cash for medical bills, rent, groceries, or whatever you need.
No Network Restraints
You are covered at any hospital, clinic, or doctor. No network requirements or doctor referrals required.
Complements Primary Health
Fills the financial gaps left by your health insurance, such as high deductibles, copays, and out-of-pocket costs.
Guaranteed Acceptance
Most plans require no medical exams or health questionnaires. You are guaranteed coverage regardless of pre-existing items.
Who is Accident Insurance For?
Accident insurance is highly recommended for families with active children participating in sports, individuals who are self-employed or have physically active lifestyles, and anyone with a high-deductible health plan (HDHP) who wants to reduce their financial exposure.