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Accident Insurance

Accidents happen when you least expect them. Every day we are exposed to situations that could result in an accident. Each year, millions of people are injured and survive. In fact, more than 3 million people are hospitalized, and 27 million people are treated in emergency departments and released.1 Even with health insurance, the extra costs from an accidental injury can really add up and may leave you in a financial hole.

Consider the affect a common accident may have on your financial picture. Could you afford thousands in out-of-pocket medical costs? What if you didn’t have a primary health insurance plan? Because you never know when you or someone in your family could get hurt in an accident, an accident insurance policy is a helpful and sensible precaution.

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What Is accident insurance?

Accident insurance, also called supplemental accident insurance or personal accident insurance, pays you a cash benefit for accidental injuries.

UnitedHealthcare offers two options for Accident insurance, underwritten by Golden Rule Insurance Company, to help meet your specific needs.

Accident SafeGuard

Accident SafeGuard pays a fixed amount for loss resulting from a qualifying accidental injury.

Advantages of an Accident SafeGuard plan

  • Cash benefits paid directly to you to use as you wish
  • Covers both inpatient and outpatient services
  • No network limitations for hospitals and doctors2
  • Includes Accidental Death/Accidental Dismemberment Benefit

Accident SafeGuard can be purchased standalone.

Accident SafeGuard Premier

Accident SafeGuard Premier pays covered expenses resulting from a qualifying accidental injury.

Advantages of an Accident SafeGuard Premier plan

  • Four maximum benefit levels to choose from
  • No network limitations for hospitals and doctors2
  • Covers both inpatient and outpatient services
  • Benefits can fill the gaps in your major medical coverage, such as deductibles

Accident SafeGuard Premier plans must be paired with minimum essential coverage (MEC) as defined by the Affordable Care Act (ACA). Consider this product if you already have an ACA plan in place.

How it works - the scenario

You choose an Accident SafeGuard Premier plan with a $5,000 per person Maximum Benefit Amount

Several months later, you are involved in an accident and suffer a concussion

You pay your accident plan deductible, and Accident SafeGuard Premier pays treatment expenses not paid by your major medical coverage up to $5,000

What does accident insurance cover?


  • Burns
  • Concussions
  • Dislocations
  • Fractures
  • Lacerations


  • Ambulance
  • Hospital Emergency Room
  • Physical Therapy
  • Urgent Care Center

Who needs accident insurance?

  • Individuals and families with an active lifestyle
  • Individuals and families with small children
  • Anyone with current health insurance
  • Anyone without current health insurance
  • Anyone with a limited budget for unexpected medical expenses

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 a supplemental accident benefit to a UnitedHealthOne® Short Term Medical Plan, underwritten by Golden Rule Insurance Company.3

Learn More about the Supplemental Accident Benefit(Opens a new window)

Did you know

There were 38.3 million accidental injuries in the United States in 2012 and over 35% were caused by accidental falls.4

1 Injury Prevention and Control: Data & Statistics (WISQARS™), Cost of Injuries and Violence in the United States, Centers for Disease Control and Prevention, Sept. 30, 2015. Retrieved from
2 There are no network limitations for Accident SafeGuard and Accident SafeGuard Premier plans, but you may be bound to certain networks and providers with your major medical plan.
3 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.
4 Injury Facts Statistical Highlights, Aug. 13, 2014, National Security Council. Retrieved from

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.

Each company is a separate entity and is not responsible for another’s financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc.,  UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc., Unitedhealthcare of Washington, Inc.

In New Mexico, products and services offered are only underwritten by Golden Rule Insurance Company.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).


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