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Accidental Injury Insurance
Network flexibility

Helps pay for unexpected medical costs of an accident

Your Choice of Benefit Level

Cash benefit paid directly to you

Network flexibility

Some plans guaranteed issue - no medical questions to answer for coverage

Network flexibility

Accidental Death and Dismemberment (AD&D) coverage included with many plans

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 a variety of accident insurance plans,1 underwritten by Golden Rule 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.2

New Accident Plans Available in Select States3

Accident ExpenseGuard, Accident ProGuard and Accident ProGap all offer benefits paid in a lump sum directly to you for eligible expenses related to accidental injury. These benefits are paid regardless of other insurance coverage you have, up to your chosen annual maximum. Also, each plan covers different situations, offering you flexibility in choosing the type coverage you need.

Accident ExpenseGuard

  • Basic accident insurance product
  • Guaranteed issue - no medical questions to answer to apply
  • Includes Accidental Death & Dismemberment (AD&D) coverage


Accident ProGuard

  • Combines accident insurance with critical illness coverage paying a lump sum for covered illnesses
  • Includes AD&D coverage
  • Pairs well with fixed indemnity insurance like Health ProtectorGuard, which pays benefits for covered hospitalizations and health care facility visits
  • Choose between guaranteed issue plans (no medical questions asked when you apply) or plans with simple medical questions on the application that include more benefit levels to select


Accident ProGap

  • Combines accident insurance with critical illness coverage and a benefit for hospital admission due to sickness
  • Includes AD&D coverage
  • Pairs well with a major medical plan to help with out-of-pocket costs like your deductible or copays


Existing Plans Available in Many States

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

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

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

Benefit Examples (Accident SafeGuard Plan B Chosen)6

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

$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

Benefit Examples (Accident SafeGuard Premier $6,500 Maximum Benefit Level Chosen)7

Emergency Room Visit - Fracture

Total cost of visit:
$10,000
Medical Plan Pays:
$3,500
Accident SafeGuard Premier Plan Pays:
$6,500

What Is Covered?

Accident insurance plans pay benefits for a number of common accidents, inpatient and outpatient services, and select surgical services7.

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 insurance 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.

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

3 National Hospital Ambulatory Medical Care Survey: 2014 Emergency Department Summary Tables. Retrieved from https://www.cdc.gov/nchs/fastats/emergency-department.htm

4 Available in AL, AR, AZ, CO (Accident ExpenseGuard only), CT (Accident ExpenseGuard only), DE, FL, GA, HI, IA, IL, IN, KS, LA, MI (Accident ExpenseGuard only), MN, MO, MS, MT, NC, NE, NV, OH, OK, OR, SC, SD, TX, WI and WV.

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

8 Benefits vary by plan. Check brochure for details.

UHONEACCR3

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