Accident Protection Plan
A simpler plan with direct payments1
The accident plan pays a lump-sum benefit directly to employees after a covered injury or health event. There’s no deductible and employees can use the money however they want to help make up for lost wages and pay for medical and daily living expenses.
The risk is real: Every second, someone gets injured, yet 66% of employees have $500 or less to cover the costs of an illness or emergency.2 3
Flexible benefits with broad coverage
Choose how you want to fund it and you can tailor the benefit schedule and coverage amounts to your health plan and budget.
Other valuable features include:
- Guaranteed issue
- Flat rates (easy to administer)
- Rate guarantee
- Personal claim support
Pays out for more than 80 injuries and services as part of:
- Initial care and emergency treatment
- Hospital care
- Follow-up care
- Certain common injuries, including organized sports activities and more
An example of how the Accident Protection Plan may pay for itself.4
Matt was playing in his weekly men’s softball league. Trying to slide into second base, he tore a knee ligament and broke a wrist. Even with his health plan, Matt had deductible expenses and had to miss some work. See how the Accident Protection Plan can help.
|Matt's Initial care/hospital care||Cost7|
|Emergency room visit||$150|
|Initial physician visit||$75|
|Combined Total for Initial Care:||$525|
|Matt's Follow-up care||Cost7|
|Diagnostic MRI exam||$250|
|Wrist fracture treatment||$800|
|Surgical ligament tear repair||$600|
|Follow-up physician visit||$75|
|Physical therapy sessions||$270|
|Organized sporting injury benefit8
|Combined Total for Follow-up Care:||$2,775|
Health plan + accident plan: The power of a united strategy
Purchasing a UnitedHealthcare health plan along with a UnitedHealthcare Accident Protection Plan brings you more, including:
Which may be achieved by integrating your UnitedHealthcare plans.
Proactively looking for claims to help employees submit the claim more quickly and easily.
- One dedicated account team
- One integrated implementation process (eligibility, claims, billing)
- One self-service administration website