Accident insurance
Cash paid directly to you after a covered accident.
Accidents happen without warning. After a covered accident, the policy pays cash directly to you to help with emergencies, bills and days off work.
What it may cover, depending on the plan
- Accident medical expenses.
- Temporary or total disability.
- Injury or disability benefits.
- Support for your beneficiaries in case of death.
Who is it for?
- Construction, cleaning, transportation and other physically demanding jobs.
- Families with active kids.
Benefits subject to policy terms, limits and exclusions.
In plain words
- Fixed indemnity
- A fixed amount is paid to you, not to the hospital. The money is yours.
- Supplemental insurance
- It doesn't replace your health plan: it covers the gap it leaves.
- Portable
- It's yours. If you change jobs or move to another state, it goes with you.
Questions about this coverage
What is supplemental insurance?
A policy that pays cash directly to you when a covered event happens, such as a hospital stay, an accident or a cancer diagnosis. You use that money for whatever you need: copays, deductibles, rent or groceries.
Does supplemental insurance replace my health plan?
No. Your health plan pays the hospital and doctors; supplemental insurance pays you. They work together.
How is a supplemental benefit paid?
It's paid directly to you, not the hospital, according to the policy terms.
Do I need legal status for supplemental insurance?
For supplemental insurance, your immigration status doesn't matter. I explain each policy's requirements before you apply.
General information, not an offer of coverage. This is fixed indemnity insurance, not health insurance. Amounts and coverage depend on the plan, the state and approval.