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Accident Insurance

¾«¶«Ó°Òµ Accident Insurance helps give employees added financial security for accidental injuries and related expenses.

Why Accident Insurance?

Immediate Financial Assistance: When an accident occurs, ¾«¶«Ó°Òµ provides a lump sum payment to help cover treatment costs and everyday expenses so you can focus on recovery.

Comprehensive Coverage: We cover a variety of injuries resulting in visits to the Emergency Room, Urgent Care, the physician’s office, or virtual medical consultations.

Beyond Medical Bills: You have the flexibility to choose how to use the money, including essential needs such as mortgage payments or childcare, providing additional financial security.

Benefit Highlights

¾«¶«Ó°Òµ Accident Insurance helps offset expenses that may not be covered by your medical insurance with benefits to cover:

  • Accident medical expense
  • Hospital admission
  • Inpatient and outpatient surgery
  • Organized sports injury
  • Dislocations and fractures
  • Accident-related post-traumatic stress disorder (PTSD) or behavioral health treatment
  • Concussions, lacerations, and more

For specific coverage details, .

Event-Based Claims

Our innovative process simplifies the overall claims experience, helping maximize benefits payments for employees and their covered dependents.

How it works:

  • When an event occurs — like an injury, sickness, or hospital stay — the employee fills out one, simple online form on their or calls to tell us what happened.
  • ¾«¶«Ó°Òµ evaluates your submission and automatically generates claims on all related coverages.
  • Employees receive prompt and direct benefits payments.

At ¾«¶«Ó°Òµ, we optimize the claims process, allowing our members to focus on what matters most and providing added financial security for life's unexpected events.

More questions? Check out our FAQ below.

What is ¾«¶«Ó°Òµ Accident Insurance?

¾«¶«Ó°Òµ Accident Insurance offers added financial security with a lump sum payment directly to you and covered dependents who suffer an injury. With more than 60 million Americans facing injuries requiring medical treatment each year,1 accident insurance offers peace of mind.

What does ¾«¶«Ó°Òµ Accident Insurance cover?

¾«¶«Ó°Òµ Accident Insurance covers a variety of injuries resulting in visits to the Emergency Room, Urgent Care, the physician’s office, or virtual medical consultations. You can review your Certificate of Coverage in your to see all benefits available to you.

What are a few ¾«¶«Ó°Òµ Accident plan highlights?

¾«¶«Ó°Òµ Accident insurance stands out due to its comprehensive coverage, including emergency room visits, virtual consultations, and urgent care. Other plan highlights include Organized Sports Booster, accident-related post-traumatic stress disorder (PTSD), and wellness services.

Why do I need accident insurance if I already have medical coverage?

With deductibles, copays, coinsurance, and out-of-pocket maximums, medical expenses often exceed what insurance pays. Plans like ¾«¶«Ó°Òµ Accident Insurance help cover out-of-pocket costs and bridge the gap on what medical insurance pays.

Do I need to pay at the time of enrollment?

There is no out-of-pocket payment required for enrollment. Your employer will conveniently deduct your premium from your paycheck.

How does the claims process work, and what documentation is required?

Through a simple online form in your , we will ask you about the event and tell you what documents are needed. Then we will use our innovative event-based claims approach to automatically create all applicable claims, ensuring we maximize your benefits. You’ll receive notifications – electronically or by mail – about your claims’ status along the way. For additional assistance, you can call us at (855) 810-3301.

You may also download the Group Accident Insured/Patient Claim Statement PackageÌý²¹²Ô»åÌýWellness Insured/Patient Claim Statement Package.Ìý

How do I access my online portal account?

Your online ¾«¶«Ó°Òµ Portal gives you the ability to manage all your benefits in one convenient location. After you enroll, you’ll receive an email invitation with a link to create your account. If you need additional support, call us at (855) 810-3301. Once your account is set up, you can .

Do I need to submit receipts on any items I buy with my benefits?

No. Your benefits can be used how you choose.  

Does my ¾«¶«Ó°Òµ Accident Insurance include wellness benefits?

Most ¾«¶«Ó°Òµ Accident Insurance policies include wellness benefits to promote a proactive approach to your health. These benefits vary by state.ÌýYou can check your Certificate of Coverage found in your  for details.Ìý

Is my coverage with ¾«¶«Ó°Òµ Accident Insurance guaranteed?

Yes. With ¾«¶«Ó°Òµ Accident Insurance, no medical review is required, and your coverage is guaranteed.

What happens to my accident coverage if I retire or leave my company?

When you retire or leave the company, you may be eligible to continue coverage. You can check your Certificate of Coverage found in your  for details. If your coverage terminates, you will be notified of all options that may be available to you.

Can I add or remove coverage for family members?

If your employer's plan includes coverage for family members, you likely only have the ability to make changes during annual enrollment or after a qualifying life status change, such as marriage, divorce or birth of a child. Reach out to the benefits administrator at your company to discuss eligibility and make changes.

Whom can I contact if I need help?

Current members can call us at (855) 810-3301 with any questions. We are here to help you get the most out of your ¾«¶«Ó°Òµ benefits.

Explore More

1ÌýNational Safety Council, , 2024, accessed April 2024

Policy Form Series: PLA-ACC-POL23, PLA-ACC-CERT23. Form numbers, provisions, and availability may vary by state. The state-approved form is the governing document.

¾«¶«Ó°Òµ refers to ¾«¶«Ó°Òµ and its subsidiary ¾«¶«Ó°Òµ & Annuity Company. Insurance products can be issued in all states, except New York, by ¾«¶«Ó°Òµ and in all states by ¾«¶«Ó°Òµ & Annuity Company.ÌýProduct availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

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