Accidental Injury Insurance

Network flexibility

Network flexibility – freedom to choose network or provider

Your Choice of Benefit Level

Helps pay for losses resulting from an accident

Cash benefit paid
directly to you

Pays inpatient and outpatient services

Accident Insurance

We’ve all heard the saying, “accidents happen,” but planning ahead can help your family feel prepared in the case of unexpected injury. Accident insurance, also known as supplemental accident insurance or personal accident insurance, can help with those unanticipated medical costs that come with an accidental injury.

Accidents do happen, but they don’t have to drain your finances. UnitedHealthcare offers Accident SafeGuard and Accident SafeGuard Premier, underwritten by Golden Rule Insurance Company or UnitedHealthcare Life Insurance Company, to help pay for the costs of care following injuries.

40 Million ER and Doctor Visits Per Year

There are 40 million ER/doctor’s visits every year resulting from injury.1

Accident SafeGuard

Accident SafeGuard pays a fixed amount for loss resulting from qualifying accidental injuries. In other words, with Accident SafeGuard you receive a fixed amount based on the services received.

The Basics

Accident SafeGuard offers three plan levels with varying benefit amounts based on the type of accident incurred.

  • Plan A: lowest price plan, lowest fixed amounts paid
  • Plan B: medium price plan, medium fixed amounts paid
  • Plan C: highest price plan, highest fixed amounts paid
Submit a claim and get paid

Accident SafeGuard plans also include:
(within 30 days of accident)

  • Accidental death benefit ($25,000, $50,000, $100,000 Maximum Benefit)
  • Accidental dismemberment benefit (5-100% of Accidental Death Benefit)

Examples (Accident SafeGuard Plan B Chosen)2

Hospital admission direct to ICU for 5 days

Hospital Admission: $1,500
ICU Admission: $750
Hopsital Confinement: $1,250 ($250/day)
ICU Confinement: $2,500 ($500/day)
Total Benefit Payment: $6,000

Emergency Room Visit - Concussion

Emergency Room: $150
Concussion Benefit: $100
CT Scan: $200
Total Benefit Payment: $450

Accident SafeGuard Premier

Accident SafeGuard Premier pays covered expenses resulting from a qualifying accidental injury. Accident SafeGuard Premier pays office and hospital visits once the deductible has been met.

If you’re looking for a personal accident insurance option that pairs with your existing health insurance plan, Accident SafeGuard Premier may be the product for you. This plan is designed to complement medical insurance plans and provide you with funds to help you meet your health insurance deductible in case of accidents.

The Basics

Accident SafeGuard Premier offers four Maximum Benefit Levels (per calendar year)

  • $2,500 per person
  • $4,000 per person
  • $5,000 per person
  • $6,500 per person
Per person benefit

$250 deductible (two per family), OR if other medical coverage is in place, the deductible equals the benefits payable from other coverage if greater than $250.

Additionally, Accident SafeGuard Premier plans include:

  • Coverage for accident-related outpatient pharmacy – prescriptions

Examples (Accident SafeGuard Premier $6,500 Maximum Benefit Level Chosen)2

Emergency Room Visit - Fracture

Total cost of visit:
Medical Plan Pays:
(Plan with $6,500 Deductible)
Accident SafeGuard Premier Plan Pays:

What Is Covered?

Both plans pay for a number of common accidents, inpatient and outpatient services, and select surgical services.

Accidents Covered
  • Burns
  • Broken bones
  • Concussions
  • Dislocations
  • Comas
Outpatient Services
  • Ambulance – emergency
  • Diagnostic testing
  • Home health care
  • Physical therapy
  • Urgent care center
Inpatient Services
  • Intensive care unit (ICU)
  • Hospital emergency room
  • Rehabilitation/extended care facility

These products provide limited benefits, are not major medical or comprehensive health insurance and do not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act. This coverage provides benefits for losses resulting from accidental bodily injury.

Protect your pocket from and unexpected medical emergency

Consider an accident insurance policy to help offset the deductible of your medical insurance plan. Accident SafeGuard is versatile accident insurance that can be purchased standalone or combined with other health insurance plans to create well-rounded coverage. Short term medical, dental, vision, and critical illness plans can be great complements to accident insurance.

1 National Hospital Ambulatory Medical Care Survey: 2011 Emergency Department Summary Tables.

2 Examples provided are for illustration purposes only and assume all expenses are covered.