What is accident insurance?
Accident insurance is also known as supplemental accident insurance or personal accident insurance. When you have accident coverage, there are cash benefits to help pay for expenses related to a qualifying accident. That can include things like ambulance care, physical therapy, lost wages and more.
Is accident insurance worth it?
Accidents happen — often when you least expect them. If you have accidental injuries, medical insurance may cover some of the related costs. According to Bankrate's annual emergency savings survey, 22% of U.S. adults claim they have no emergency savings and 57% aren't comfortable with what they have for emergency savings.2 When extra expenses start adding up, that can lead to financial strain. With accident insurance, the cash benefit payout can help you pay for these expenses.
What can I pay for using an accident insurance cash benefit?
With an accident insurance plan, you decide how to use your cash benefit. It can help you pay for expenses like:
Lost wages from missing work
High health insurance deductibles
Unpaid bills
Unexpected medical expenses
What does an accident plan cover?
When you have accident insurance, you can have coverage to help pay for a variety of services directly related to an accidental injury,3 including:
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Ambulance service
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Hospital emergency room care
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Physical therapy
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Urgent care center service
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Burns
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Concussions
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Dislocations
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Fractures
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Lacerations
Why choose accident plans from UnitedHealthcare?
Frequently asked questions
Browse these common questions about accident coverage to learn more about how these plans may help ease your financial concerns and maybe even some of your worries if an accident happens.
If you’re considering accident insurance, it may help to think about your life and family. Having accident insurance can help with the potential financial strain if an accident happens. That can help you take care of your family without a change in your lifestyle.
Accident plans may be a good fit for:
- Individuals and families with an active life
- Individuals and families with small children
- Anyone with current health insurance looking for help to cover deductibles or out-of-pocket costs not covered by your main insurance in the event of an accidental injury
- Anyone with a limited budget for unexpected medical expenses
The options for accident insurance vary by state and by plan. Multiple plan options are available to meet many needs and budgets. With some plan designs, you can choose benefits that include:
- Accidental injury
- Accidental death and dismemberment
- Critical illness
- Non-injury hospital admission benefits
- Guaranteed issue options – no medical questions to answer
Accident and AD&D coverage is in effect as soon as the policy starts when you choose UnitedHealthcare branded accident plans, underwritten by Golden Rule Insurance Company. It’s important to note that you must tell the plan about any pre-existing conditions.
If you choose a plan that includes critical illness or hospital stay for sickness benefits, those benefits have a 30-day waiting period in most states.
Benefits may also be subject to preexisting condition limitations, so you should check those limitations before you buy.
First, you’ll need to submit a claim for qualifying expenses related to a covered accidental injury. Then, benefits are paid directly to you. You decide how to use that money to help your situation.
If you’re considering a short term health insurance plan, you may want an accident plan to help cover gaps in health insurance coverage for an additional premium.5
Yes. AD&D coverage is included with all UnitedHealthcare branded accident plans, underwritten by Golden Rule Insurance Company. When you choose a plan, you’ll choose your accidental injury coverage amount.
Explore more supplemental plans
View more plans, like dental, vision and other cash-benefit plans, that offer coverage for expenses not covered by a medical plan.
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