Supplemental Insurance
How Accident Insurance Works
An accident takes about four seconds. The bills last a lot longer — the ER copay, the ambulance ride, the deductible, the shifts you miss while you heal.
Accident insurance pays a cash benefit straight to you when you’re hurt in a covered accident, on top of whatever your health plan pays. You decide where the money goes.
What Accident Insurance Typically Covers
Emergency care
Set benefits for covered emergency room visits, urgent care, and initial physician treatment after an accident.
Injuries
Scheduled amounts for covered fractures, dislocations, burns, concussions, lacerations, and eye injuries.
Ambulance and transport
Benefits for covered ground or air ambulance transportation, which is one of the most common surprise bills after an accident.
Follow-up care
Depending on the plan, benefits may extend to hospital stays, surgery, physical therapy, medical equipment, and follow-up visits.
Benefit amounts, covered events, and exclusions vary by policy and state. I’ll show you the exact schedule before you enroll.
How a Claim Actually Works
- 1
You or a covered family member is injured in a covered accident.
- 2
You get treated — ER, urgent care, or your doctor.
- 3
You file the claim with the insurance company.
- 4
The cash benefit is paid to you, on top of whatever your health plan pays.
Accident Insurance Questions
What is accident insurance?
Accident insurance is a supplemental policy that pays cash benefits directly to you when you're injured in a covered accident. Benefits are paid on a set schedule — a specific dollar amount for an ER visit, a fracture, an ambulance ride, stitches, or a hospital stay — regardless of what your health plan pays.
Does accident insurance replace my health insurance?
No. It is not major medical coverage and does not satisfy minimum essential coverage requirements. It sits alongside your health plan and helps with the deductible, copays, and everyday bills your plan leaves behind.
How is the benefit paid?
The money goes to you, not to the hospital or doctor. Once the claim is approved, you can use it for anything — the deductible, the mortgage, childcare, or lost hours at work.
Who tends to benefit most from accident coverage?
Families with active kids, weekend athletes, people in physical trades, anyone on a high-deductible health plan, and hourly workers who lose income when they're hurt.
Are injuries covered on and off the job?
Many plans offer both 24-hour coverage and off-the-job-only coverage at a lower premium. Which one you need depends on whether workers' compensation already covers you at work.
Can I buy accident insurance any time of year?
In most cases yes. These plans generally are not limited to the ACA open enrollment window, though availability and rules vary by state and carrier.
See What an Accident Plan Would Cost You
Tell me a little about your household and I’ll walk you through real benefit amounts and premiums for your state.
Accident insurance is a supplemental policy. It is not major medical coverage and does not satisfy minimum essential coverage requirements. Back to supplemental insurance