Accident insurance

ccident Insurance
Why accident insurance?
Because accidents happen when you least expect them. Even with health insurance, the extra expenses from an accidental injury can really add up. Lost wages from missing work, high health insurance deductibles and unpaid bills all affect your lifestyle, home and family. And because 57% of Americans have less than $1,000 In their savings accounts,1 many don’t have financial help during times like these.

What is accident insurance?
Accident Insurance, also known as supplemental accident insurance or personal accident insurance, pays benefits for accidental injuries.

Consider the affect a common accident may have on your financial picture. Because you never know when you or someone in your family could get hurt In an accident, an accident insurance policy, like those underwritten by Golden Rule Insurance Company, can be helpful when the unexpected happens.2

Edgar’s Story
Edgar’s mountain bike ride In the park turns serious when he gets into an accident and fractures his arm. He Is taken by ambulance to the hospital where he has surgery to repair the fracture. His total medical expenses are $7,006.

Edgar has limited savings, but because Edgar has an Accident ProGuard Insurance plan underwritten by Golden Rule Insurance Company, he pays a $250 deductible and then receives $6,756 out of his chosen plan’s $10,000 calendar year benefit level to help with his covered medical costs. His savings are not used, and Edgar can pay for the care he needs.

Find out if accident insurance is available in your state. View PlansOpens a new window

What are my accident insurance options?
The options you have for accident insurance vary by state, but multiple plan options are available to meet many needs and budgets.3

Benefits paid directly to you
Multlple benefit levels so you can choose a monthly cost that works for you
No networks — Choose where you want to get care
Cash to help with unexpected medical costs due to accidental Injury
Cash for accidental Injury medical costs that can help pay health insurance gaps, like a high deductible
Available with some plan designs
Accidental Injury
Accidental Death & Dismemberment
Critical Illness
Non-Injury hospital admission benefits
Guaranteed Issue options — No medical questions to answer
Accident ProGuard Series (available in select states) 5
Accident ExpenseGuard
Basic accident insurance product
Guaranteed Issue — no medical questions to answer to apply
Includes Accidental Death & Dismemberment (AD&D) coverage
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Accident Insurance with critical Illness insurance paying a lump sum for covered illnesses
Choose guaranteed issue plans or simplified issue plans (some medical questions, more benefit levels)
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Combines a benefit for hospital admission due to sickness with accident and critical illness coverage
Helps with those out-of-pocket medical expenses like deductibles that aren’t covered by major medical plans
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Accident SafeGuard Products (available in many states)
Accident SafeGuard
Pays a fixed benefit amount for qualifying accidental Injury losses (like $200 for an ER visit, depending on your plan)
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Accident SafeGuard Premier
Pays covered expenses from a qualifying accidental Injury up to a chosen maximum benefit level
Includes coverage for accident-related outpatient pharmacy prescriptions
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What does accident insurance cover?
Hospital Emergency Room
Physical Therapy
Urgent Care Center
Who may need accident insurance?
Individuals and families with an activate lifestyle
Individuals and families with small children
Anyone with current health Insurance
Anyone with a limited budget for unexpected medical expenses
Combine with other plans for maximum coverage
Bundle Accident with other with other supportive health products to provide even greater coverage for you and your family. Consider products like Fixed Indemnity, Dental, Vision, and Critical Illness Insurance as a complement to your supplemental accident insurance plan.

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Short term supplemental accident benefit
Considering a Short Term Health Insurance plan but want the extra security of accident insurance, too? For an additional premium, you can add an optional supplemental accident benefit to a Short Term medical plan underwritten by Golden Rule Insurance Company.6

Learn More about the Supplemental Accident BenefitOpens a new window

Did you know?
There are 40 million ER/doctor’s visits every year resulting from injury.