Life can be unpredictable—especially for people who lead active lifestyles. Are you ready to handle life’s bumps in the road? Accident insurance can help you and your loved ones be better prepared to handle expenses that pop up after an accidental injury. And you can buy this coverage for yourself, your spouse, and/or your kids. If you choose to purchase this product and are harmed with a covered injury after your benefits start, you’ll receive a tax-free
1. Purchase benefit through your employer
Buy this coverage through your company for either yourself, your spouse, or your child at a lower group rate that comes straight out of your paycheck.
2. File your claim
If you or an insured dependent are harmed with one of the covered injuries, you can easily submit your claim online. Learn more about how to submit a claim.
3. Receive the benefit
If your claim is approved, you’ll receive a lump-sum payment that you can use for any expense that pops up so you can focus on recovery.
Have a child who’s an athlete? Our organized youth sports benefit
How our coverage can help.
Taylor is an avid bicycle rider. On the way home from work, Taylor was hit by a car and thrown from the bike. Even though Taylor always wears a helmet, the impact of the landing knocked it off, resulting in multiple serious injuries. Taylor was airlifted to the emergency room at an area trauma center. She was admitted to the hospital for 10 days before being released to a rehabilitation facility for an additional 10 days. When released, Taylor required a wheelchair and crutches. Over several months, Taylor followed up with a family physician and received regular physical therapy.
Taylor’s accident insurance provided benefits for the skull fracture, thigh fracture, and abdominal surgery that she received from the accident. This coverage helped Taylor pay for medical expenses and focus on getting better. Here’s a breakdown of Taylor’s coverage:
| Injury/treatment/service | Benefit amount |
|---|---|
| Skull fracture (non-depressed, closed) | $2,500 |
| Thigh fracture (open) | $10,000 |
| Abdominal surgery | $3,000 |
| Total benefit: | $15,500 |
During a high school soccer game, Blake jumped up to head the ball and collided with another player, falling hard to the ground. He was taken by ambulance to the hospital where he had a CT scan of his head and a knee x-ray. Blake was diagnosed with a concussion and dislocated knee.
Because his mom purchased accident insurance for Blake during her company’s annual enrollment, their family was able to submit a claim for their son without a lot of paperwork. With the organized youth sports benefit that’s included in the coverage, they were able to get an additional cash benefit. This helped them to focus their attention on Blake so he could recover and get back to soccer. Here’s a breakdown of the coverage:
| Injury/treatment/service | Benefit amount |
|---|---|
| Concussion | $500 |
| Dislocated knee (closed) | $2,500 |
| Organized youth sports benefit | $750 |
| Total benefit: | $3,750 |
Quinn was excited about getting her first apartment. While moving in, she fell down a flight of steps, causing multiple injuries which led to a visit to the doctor. Quinn was diagnosed with a dislocated elbow and wrist, which both required surgery. While recovering, Quinn was grateful that her friends and family continued to move her stuff into the apartment.
She was also glad she had purchased accident insurance to help with these unexpected injuries. Because of this coverage, Quinn had the money to help pay for rent during her road to recovery. Here’s a breakdown of how her benefit worked:
| Injury/treatment/service | Benefit amount |
|---|---|
| Disclocated elbow (open) | $3,000 |
| Dislocated wrist (open) | $3,000 |
| Total benefit: | $6,000 |
Our accident insurance covers injuries such as:
- Burns
- Comas
- Concussions
- Dental and eye injuries
- Dislocations
- Fractures
- Internal injuries
- Injuries that require surgical repair
You have the freedom to use your lump-sum payment any way you choose. The benefit from your accident insurance can help cover costs such as:
- Medical deductibles and copayments
- Ambulance service
- Travel costs
- Childcare
- Lost income from missing work
- Home healthcare needs
- Other out-of-pocket expenses
Accident insurance is supplemental coverage that can help with costs that aren’t covered by health insurance. The benefits are paid directly to the policyholder and only cover injuries from accidents, not illnesses.
While accident insurance can be a good idea for anyone, the following individuals could especially benefit from this coverage:
- Those with high-deductible health plans
- Active individuals or athletes
- Families with children
- Anyone who wants additional financial protection
If you purchase accident insurance through your employer, you will get a group rate that’s usually lower than an individual policy. And the cost is automatically deducted from your paycheck. Talk to your employer or financial professional for more details on costs that are specific to your benefit.
You can buy this coverage for yourself and if you’re already covered, you can also purchase it for your spouse and/or your kids.
If harmed with a covered injury after your benefit starts, you’ll receive an upfront, lump-sum payment based on covered injuries received—regardless of other insurance or actual expenses. And your benefit isn’t dependent on services, tests, or treatments, which means you get paid quickly with less paperwork and no guesswork on the benefit amount. This allows for a higher lump-sum amount for the injury, and you have the freedom to use the benefit in any way you choose.
Learn more.
Ready to unlock the full potential of your benefits? Talk to your employer or financial professional about benefit costs and how to enroll.
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