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ARTICLE Accident Insurance


What's the next best thing to preventing an accident?


Having UnitedHealthcare's Accident Protection Plan. Most people think it can never happen to them, but every year, there are nearly 30 million reported accidents.


What is Accident Protection?
It's a type of insurance coverage that can help employees pay out-of-pocket costs such as deductibles and co-pays as well as other expenses. It's a simple plan that pays a fixed benefit amount based on covered expenses or treatments resulting from an accident – and that's in addition to health plan benefits coverage.


How does it work?
Receiving the benefit payment is easy. After submitting a claim request with verification of a covered accident, UnitedHealthcare will send the benefit payment directly to the covered individual.


Coverage for accidents and more
The Accident Protection Plan offers coverage for accidental death and dismemberment, initial care, hospital care, follow-up care and covered injuries and services. Our plans cover things like emergency room visits, fractures, dislocations, X-rays and rehabilitation.


Funding options to fit your budget
You can customize UnitedHealthcare's Accident Protection Plan to affordably meet the needs of your business and your employees. You can choose to pay all, some or none of your employees' premiums. Many employers pay the base plan at 100%, offering employee buy-up options.