WHAT IS IT?

Accident insurance is a type of supplemental health insurance that provides coverage for unexpected injuries such as broken bones and emergency room visits.  Supplemental accident insurance is protection designed to help individuals pay for the out-of-pocket costs that add up after an accidental injury. 

Employees usually pay for the accident coverage with after-tax dollars and the benefits are tax free when paid out as a claim.

WHO ARE THESE PLANS IDEALLY FOR?

These plans are ideal for individuals or families with children who lead an active lifestyle.  Employees may choose to cover themselves or add their family members.

COSTS

Group Accident Insurance is typically very affordable as it is underwritten with group rates, on a guaranteed issue basis, with no heath questions and no additional required waiting periods to enroll.  Rates are broken down by tier (Employee Only, Employee + Spouse, Employee + Child or Family) and the the same benefit amounts are available for the employee and any dependents added to the plan.