Accident Plan
Protection When the Unexpected Happens
Accidents don’t wait for the “right” time. A fall, a car crash, a sports injury, or an unexpected trip to the ER can disrupt your income and create out-of-pocket medical expenses overnight.
An Accident Plan provides cash benefits paid directly to you after a covered accident — so you can focus on recovery, not financial stress.
This coverage helps:
- Replace lost income
- Cover deductibles and copays
- Pay for emergency care or follow-up treatment
- Protect your savings from unexpected bills
How It Works
If you experience a covered accident, the policy pays a fixed cash benefit based on the injury and treatment received. Benefits are paid directly to you — not the hospital — giving you flexibility in how the money is used.
Use the funds for:
- Medical bills
- Household expenses
- Mortgage or rent payments
- Travel or childcare costs during recovery
What’s Covered?
Benefits may include payments for:
- Ambulance Services
- Hospital Admission
- Hospital Confinement
- ICU Confinement
- Burns
- Dislocations
- Fractures
- Internal Injuries
- Concussions
- Lacerations
- Eye Injuries
- Torn Rotator Cuff
- Torn Knee Cartilage
- Ruptured Discs
- Physical Therapy
- Follow-up Care
Many plans also include an Annual Wellness Benefit, helping offset the cost of covered preventive tests.
Included Accidental Death Coverage
As an added layer of protection, many accident plans include an Accidental Death Benefit, covering:
- Individuals
- Spouses
- Children
This benefit applies to covered accidents, including common carrier accidents (such as commercial airline travel).
Who Is This Plan For?
An Accident Plan is ideal for:
- Families with active children
- Self-employed individuals
- Anyone with a high-deductible health plan
- Individuals who want extra financial protection beyond major medical insurance
Peace of Mind — When You Need It Most
You can’t prevent every accident. But you can prepare for one.
Let’s build a plan that protects your income, your savings, and your family.
Request a Quote Today
Contact us to review your options and customize coverage that fits your needs and budget.
Benefits vary by carrier, state, and plan design. This is a limited benefit policy and is not a substitute for major medical insurance.
