Accident insurance
Nobody schedules an accident. A cash benefit can soften the bills that follow.
What a plan includes
An accident plan pays you when a covered injury happens. Here is how it typically works.
Covered
- Covered injuriesReceive a set payment after a qualifying accident, such as a fall or a sports injury.
- Serious injuriesLarger benefits apply to bigger injuries, for example surgery to repair a fracture.
- Life during recoverySpend the money on what recovery costs you, like rides to appointments, lost wages or childcare.
Not covered
- IllnessSickness, chronic conditions and preventive visits are outside this coverage, even with a hospital stay.
- Other medical careCare unrelated to an accident, including mental health care and prescriptions, is not included.
- Earlier injuriesInjuries or conditions from before your start date are not covered.Every policy is different, so read the benefits summary before you choose.
Curious about accident coverage?
A licensed partner agent can walk you through it.*
Accident coverage, in plain words
Frequently asked questions
Who benefits most from an accident plan?
Anyone for whom a sudden injury would be a financial shock, even with health insurance in place.
Active households, parents of young kids, long-distance commuters and people with physical jobs often find it useful. It also pairs well with a high-deductible health plan.
Does it work alongside my health plan?
Yes. It is designed to sit next to health coverage, not replace it.
Your health plan pays the doctors and hospital. The accident plan pays you, so you can cover deductibles, copays and everyday costs while you heal.
How are benefits paid?
Each covered injury or treatment has a fixed benefit amount listed in the policy.
Payments are made to you directly, and you decide how to use them, whether for medical bills or for travel, lost income or childcare.
Every kind of coverage. One checkout.
Add accident protection next to your health, dental or vision plan in one place.
Health plans built around your year
Filter Marketplace plans by budget, doctors and prescriptions, and bring in a licensed partner agent whenever you want a second opinion.
- Narrow dozens of plans to the few that fit you.
- See your premium tax credit applied to every price.
- Compare deductibles and copays side by side.
