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.
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.
Accident SafeGuard offers three plan levels with varying benefit amounts based on the type of accident incurred.
Accident SafeGuard plans also include:
(within 30 days of accident)
Examples (Accident SafeGuard Plan B Chosen)2
|Hopsital Confinement:||$1,250 ($250/day)|
|ICU Confinement:||$2,500 ($500/day)|
|Total Benefit Payment:||$6,000|
|Total Benefit Payment:||$450|
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.
Accident SafeGuard Premier offers four Maximum Benefit Levels (per calendar year)
$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:
Examples (Accident SafeGuard Premier $6,500 Maximum Benefit Level Chosen)2
|Total cost of visit:
|Medical Plan Pays:
(Plan with $6,500 Deductible)
|Accident SafeGuard Premier Plan Pays:
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.