Accident Insurance: A Cash Cushion for the Unexpected

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None of us can predict when an accident will happen — a fall, a car accident, a sports injury. Accident insurance exists to soften the financial hit when one does.

How it works

If you experience a covered accidental injury, on or off the job, accident insurance pays a cash benefit directly to you — separate from and in addition to any health insurance you already have.

What people typically use the benefit for

• Emergency room and urgent care copays
• Ambulance fees
• Follow-up visits, physical therapy, or specialist care
• Everyday bills while you're out of work recovering

Who it makes the most sense for

Active families, weekend athletes, anyone with a physically demanding job, or simply anyone who wants a financial cushion for the unexpected — accidents don't check your budget before they happen.