Accident / Injury Insurance
Cash benefits paid directly to you after covered accidental injuries
Overview
Accident and injury insurance pays cash benefits directly to you after covered accidental injuries. Benefits may be triggered by emergency room visits, hospitalizations, fractures, dislocations, burns, lacerations, ambulance transport, and other covered events resulting from an accident — regardless of what your health insurance pays.
How It Works
After a covered accident, you file a claim with the carrier. Upon approval, a cash benefit is paid directly to you — not to a doctor or hospital. You can use the money however you need: medical bills, deductibles, lost income, or everyday expenses while you recover.
Key Benefits
- Cash paid directly to you after covered accidents
- Benefits for ER visits, hospitalizations, fractures, and more
- Can be used for any expense — no restrictions
- Often available without a medical exam
Typical Covered Benefits
- Emergency room treatment benefit
- Hospitalization benefit per day
- Fracture and dislocation benefit
- Ambulance benefit
- Follow-up care and physical therapy benefit
Who This Plan May Be Right For
- Active individuals and families
- Self-employed and gig workers (rideshare, delivery, freelance) without employer benefits
- Those with high-deductible health plans
- Parents with children in sports or active activities
Request a Free Quote
Get personalized Accident / Injury Insurance options from an independent broker — no obligation, no pressure.
Benefits vary by policy. Review policy documents for covered events, exclusions, and benefit amounts.