Accident Insurance

Why Accident Insurance?

As a government employee, you are provided with health insurance — but sometimes those unexpected accidents come with many out-of-pocket expenses. With 24-hour coverage for you and your family, you can receive up to 32 benefits in the event you suffer from an accident. The accident policy also comes with an accidental death benefit attached.

Did You Know…

  • There are over 48.3 million visits (or 1 in 7 people) that seek medical attention for an accidental injury each year
  • The average deductible on a high deductible health plan is $2,424 for single coverage and $4,705 for family coverage
  • Among people with high deductibles, most (53%) reported having less in savings than the amount of their deductible

Sources:
1. Injury Facts, 2019 Edition
2. Kaiser Family Foundation. 2021 Employer Health Benefits Survey
3. Kaiser Family Foundation. Deductible Relief Day: How Rising Deductibles are affecting People with Employer Coverage. May 15, 2019

Common Accident Payouts Include:

      • ER/Urgent Care Visit
      • Lacerations
      • Fractures
      • Hospitalization
      • MRI/CT scan
      • Physical Therapy
      • Accidental Death

Example of benefits: 

Liam was playing ball outside with his neighborhood friends when he landed on his ankle the wrong way. After going into the emergency room, the MRI determined he would need surgery for his closed fracture. While Liam was healing from his fracture, he had to attend physical therapy and use crutches. Thankfully, Liam’s parents had the accident policy which helped cover the out of pocket expenses and they received $1,400 to help with the financial stress of his accident. 

 

ExpensePayout
Emergency Room visit$350
MRI$150
Closed Fracture$600
Appliance (crutches)$100
Physical Therapy (6 visits)$150
Follow-up visit$50
Total Benefit$1,400

Employee Accident Option Plus Product

  • Individual product - Guaranteed renewal for life

Coverage 24 hours per day

  • Accidental death (double for the common carrier)

$50,000 primary insured & spouse

$10,000 children

Accident Insurance FAQs

What accidents are covered?

The policy includes 32 benefit triggers* including minor injury accidents or major events including accidental death, dismemberment or catastrophic accidents.

Does this insurance only cover job-related accidents?

No. This policy offers 24-hour coverage, on or off the job.

How long can I keep the coverage? What if I change jobs?

This plan is guaranteed renewable for life.

What can the benefit payment be used for?

This insurance can be used for expenses that health insurance doesn’t cover including out-of-pocket costs, such as co-payments, deductibles, transportation and lodging.


Accident policy premium may vary by state