Skip to main content

Accident Insurance

Accidents happen when you least expect them. Every day we are exposed to situations that could result in an accident. Each year millions of people are injured and survive. In fact, information from the CDC indicates injuries from accidents like falls and transportation-related incidents account for the majority of costs treated in emergency departments.1 Even with health insurance, the extra costs from an accidental injury can really add up.

Consider the affect a common accident may have on your financial picture. Because you never know when you or someone in your family could get hurt in an accident, an accident insurance policy, like those underwritten by Golden Rule Insurance Company, can be helpful when the unexpected happens.2

Find out if accident insurance is available in your state.

View PlansOpens a new window

What is accident insurance?

Accident insurance, also called supplemental accident insurance or personal accident insurance, pays you a cash benefit for accidental injuries.

The options you have for accident insurance vary by state, but multiple plan options are available to meet many needs and budgets.3

  • Benefits paid directly to you
  • Guaranteed issue options  - No medical questions to answer to apply for coverage
  • No networks  - Choose where you want to get care4
  • Cash to help with unexpected medical costs due to accidental injury
  • Cash for accidental injury medical costs that can help pay health insurance gaps, like a high deductible
  • Accidental death/dismemberment, critical illness and non-injury hospital admission benefits available with some plan designs

What does accident insurance cover?

Injuries:

  • Burns
  • Concussions
  • Dislocations
  • Fractures
  • Lacerations

Services:

  • Ambulance
  • Hospital Emergency Room
  • Physical Therapy
  • Urgent Care Center

Who may need accident insurance?

  • Individuals and families with an activate lifestyle
  • Individuals and families with small children
  • Anyone with current health insurance
  • Anyone with a limited budget for unexpected medical expenses

Short term supplemental accident benefit

Considering a Short Term Health Insurance plan but want the extra security of accident insurance, too? For an additional premium, you can add an optional supplemental accident benefit to a Short Term medical plan, underwritten by Golden Rule Insurance Company.5

Learn More about the Supplemental Accident BenefitOpens a new window

Did you know

Did You Know

There were 38.3 million accidental injuries in the United States in 2012 and over 35% were caused by accidental falls.6


1 Injury Prevention and Control: Data & Statistics (WISQARS™), Cost of Injuries and Violence in the United States, Centers for Disease Control and Prevention, Sept. 30, 2015. Retrieved from http://www.cdc.gov/injury/wisqars/overview/cost_of_injury.html
2 THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expense incurred.
3 Benefits vary by plan. Not all features are available with all plans.
4 There are no network limitations for these accident insurance plans, but you may be bound to certain networks and providers with your major medical plan.
5 All products require separate applications. Separate policies or certificates are issued unless the product is a rider or optional benefits. Short term plans have a limited duration and are not renewable. Short term health insurance is medically underwritten and does not cover preexisting conditions. It does not meet minimum essential coverage requirements, meaning signing up for this coverage may result in a tax penalty. Expiration or termination of a Short Term Medical plan does not trigger an ACA special enrollment opportunity.
6 Injury Facts Statistical Highlights, Aug. 13, 2014, National Security Council. Retrieved from http://www.nsc.org/SafeCommunitiesDocuments/Conference-2014/Injury-Facts-Statistical-Analysis-Kolosh.pdf.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance,
political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another’s financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).

UHCINDACR3

Looks like your browser is a little out-of-date.

Experience uhc.com at its fullest by upgrading to a newer version of one of these browsers: