Accident insurance

Why accident insurance?

Why consider accident insurance underwritten by Golden Rule Insurance Company? Because accidents happen when you least expect them. Even with health insurance, the extra expenses from an accidental injury can really add up. Lost wages from missing work, high health insurance deductibles and unpaid bills all affect your lifestyle, home and family. And because 57% of Americans have less than $1,000 In their savings accounts,¹many don't have financial help during times like these.

What is accident insurance?

Accident Insurance, also known as supplemental accident insurance or personal accident insurance, pays benefits for accidental injuries.

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

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Enter your ZIP code to see available plans in your area.

Questions? Call 1-866-671-0378

What are my accident insurance options?

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
Multiple benefit levels so you can choose a monthly cost that works for you
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

Available with some plan designs

Accidental Injury
Accidental Death & Dismemberment
Critical Illness
Non-Injury hospital admission benefits
Guaranteed Issue options - No medical questions to answer

Accident ProGuard series (available in select states)⁵

Accident ExpenseGuard

Basic accident insurance product
Guaranteed Issue - no medical questions to answer to apply
Includes Accidental Death & Dismemberment (AD&D) coverage

Accident ProGuard

Accident Insurance with critical Illness insurance paying a lump sum for covered illnesses
Choose guaranteed issue plans or simplified issue plans (some medical questions, more benefit levels)

Accident ProGap

Combines a benefit for hospital admission due to sickness with accident and critical illness coverage
Helps with those out-of-pocket medical expenses like deductibles that aren't covered by major medical plans

Accident Safeguard products (available in most states)

Accident SafeGuard

Pays a fixed benefit amount for qualifying accidental Injury losses (like $200 for an ER visit, depending on your plan)

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

Combine with other plans for maximum coverage

Bundle Accident with other with other supportive health products to provide even greater coverage for you and your family. Consider products like Fixed Indemnity, Dental, Vision, and Critical Illness Insurance as a complement to your supplemental accident insurance plan.

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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.⁶

Learn More about the Supplemental Accident Benefit

Did you know?

There were 38.3 million accidental injuries in the United States in 2012 and over 35% were caused by accidental falls.⁷

Need accident insurance?

Call 1-866-671-0378

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

Help me find a plan

Footnotes

Huddleston, Cameron. "More Than Half of Americans Have Less Than $1,000 in Savings in 2017." GOBankingRates survey. Retrieved from https://www.gobankingrates.com/saving-money/half-americans-less-savings-2017/
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.
Benefits vary by plan. Not all features are available with all plans.
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.
Available in AK, AL, AR, AZ, CA, CO (Accident ExpenseGuard only), CT (Accident ExpenseGuard only), DC, DE, FL, GA, HI, IA, ID (Accident ExpenseGuard only), IL, IN, KS, LA, MD, ME, MI (Accident ExpenseGuard only), MN, MO, MS, MT, NC, NE, NV, OH, OK, OR, PA (Accident ExpenseGuard only), RI, SC, SD, TN (Accident ExpenseGuard only), TX, UT, VA (Accident ExpenseGuard only), WI, WV and WY.
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.
National Hospital Ambulatory Medical Care Survey: 2014 Emergency Department Summary Tables. Retrieved from https://www.cdc.gov/nchs/fastats/emergency-department.htm

Disclaimers

The people and events depicted in the example are fictional and do not represent actual cases.

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.

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.