Prepare with accident insurance

Accident insurance – Golden Rule Insurance Company

Why is accident insurance important?

When you're injured accidentally, the bills can add up. Accident insurance coverage will give you extra assistance for those medical expenses you weren’t expecting or find yourself facing as a result of accidental injury.

Why choose UnitedHealthcare branded accident insurance plans?

Benefits are paid even if you have health insurance

Regardless of what other insurance you might have, accident insurance will still pay benefits for covered services or expenses up to plan maximums. Benefits might even help with those out-of-pocket costs not covered by your main insurance.

Cash benefits are paid directly to you¹

You can decide how best to use the benefits you receive.

Accidental death benefits are included with every plan

All UnitedHealthcare branded accident insurance plans come with Accidental Death & Dismemberment coverage or Accidental Loss of Life, Limb or Sight coverage included in the plan.²

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Accident insurance FAQs

Accident insurance pays cash benefits for eligible expenses resulting from accidental injuries. This can help you prepare for those unexpected life events that come your way. Even if your health insurance covers 100% of your medical costs from the accident, you still receive the benefits from your accident insurance plan for eligible costs.

Benefits for most eligible expenses are available as soon as your policy starts. In select states, some accident insurance plans include critical illness or hospital stay for sickness benefits. Those benefits have a 30-day waiting period in most states where they are available.

For qualifying services or expenses, benefits are paid directly to you.¹ Then you decide how best to use that money to help your situation.

No. Accident insurance is a type of insurance designed to be used as a supplement to your main health insurance. Accident plans pay for covered services or expenses you have because of accidental injury. Most eligible expenses must occur within a specified number of days after an accidental injury.

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Need help finding a health plan that fits? Call one of our licensed insurance brokers at. 1-800-273-8115.

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Other options

Does your health plan meet all your needs? Find help covering what health insurance often doesn't.

This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your licensed insurance agent or the company, whichever is applicable.

THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR 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.

¹ Benefits will be paid directly to a hospital or other provider if you assign your benefits.

²In most states, loss must occur within a certain number of days after an accidental injury, depending on your plan.

Also of Interest:

Self-Employed Health Insurance Options 5 reasons an accident insurance policy might be... Accident Injury Insurance

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