Get Paid Directly After a Covered Event With Accident Insurance

Reduce Expenses After an Accident Thanks to Personal Accident Insurance 

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Accident Insurance 

Accidents and injuries arrive without warning, and the costs follow fast behind. An accident Insurance policy pays a fixed cash benefit straight to you after a covered injury, and you get to decide what it's for.

Our Accident Insurance will pay you a fixed amount of money if you suffer and require treatment for a wide variety of unforeseen injuries. You will get this payout regardless of your medical expenses.

You Receive
Up to $1,400 (Hospital Admission Benefit) annually per Covered Member

A fixed amount of money, depending on injury and treatment
How you get paid

Your benefit is a set amount tied to your injury and treatment, not your hospital bill or health plan. Instead, Accident Insurance pays a cash benefit you can spend on anything at all, including medical costs or expenses for rent and groceries while you’re healing and out of work.

What's Covered?

  • Hospital Care

    • Admitted to the hospital or intensive care
    • Overnight stays in the hospital
    • Lodging fees for family who come to stay with you

  • Diagnostic Imaging

    • CT Scan or MRI
    • X-Ray

  • Specific Losses

    • Concussion
    • Emergency repair for a broken tooth
    • Treatment for a gunshot wound
    • A cut(s) that require stitches
    • Burn(s) that require skin grafts
    • Prosthetic
    • Repairing a torn tendon, ligament, rotator cuff or knee cartilage

  • Fractures and Dislocations

    • Dislocating a Joint
    • Breaking a bone

  • Emergency Care

    • Emergency room visit
    • Transportation by an ambulance
    • Medical appliance prescription (For example Pacemaker)
    • Blood transfusion
    • Treatment at an Urgent Care facility
    • Surgery

  • Continuing Care

    • Epidural pain management
    • Follow-ups with a physician
    • Prescribed therapy services

  • Major Injuries

    • Death due to an accident
    • Loss of a limb to dismemberment
    • Losing the use of a limb
    • Loss of an eye or your eyesight
Individual Accident Insurance Can Cover These Events

  • Hospital Stays

    • Admission to a hospital or intensive care unit
    • Nights spent as an inpatient
    • Lodging costs when family travels to be with you

  • Diagnostic Imaging

    • CT Scan or MRI
    • X-Ray

  • Specific Losses

    • Concussion
    • Emergency repair of a broken tooth
    • Treatment following a gunshot wound
    • Lacerations that need stitches
    • Burns severe enough to require skin grafts
    • Prosthetic devices
    • Surgical repair of a torn tendon, ligament, rotator cuff, or knee cartilage

  • Fractures and Dislocations

    • Dislocated joint
    • Broken bone

Covered services and benefit amounts vary by plan. See the carrier summary plan design for complete coverages and exclusions.

  • Emergency Treatment

    • A trip to the emergency room
    • Ambulance transport
    • Prescribed medical appliances, such as a pacemaker
    • Blood transfusion
    • Care received at an urgent care facility
    • Surgery

  • Recovery and Follow-Up Care

    • Epidural pain management
    • Return visits to your physician
    • Therapy services your doctor prescribes

  • Major Injuries

    • Accidental death
    • Loss of a limb due to dismemberment
    • Loss of use of a limb
    • Loss of an eye or eyesight
HOW IT WORKS

Accident Insurance Coverage

After Mark's car accident, he receives a flat payment to help him get back on his feet

Mark is in a car accident

Mark hurts his arm and visits the emergency room that afternoon. An X-ray confirms his arm is broken, and it's put in a cast.

Mark files a claim

After filing a claim on his Accident policy, Mark receives $200 for his fracture, $300 for his treatment, and $75 for the X-ray.

Mark is paid a flat amount.

Mark receives these payments no matter what his actual medical expenses turn out to be.

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Accidents Can Catch You Off-Guard. Get Protected with NsureWise Personal Accident Insurance.

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HOW IT WORKS

Accident –

Car Accident / Story

Mark is in a car accident and hurts his arm.

He visits the emergency room that afternoon and an X-Ray determines that his arm is broken.

His arm is put in a cast.

After filing a claim with his Triada Accident policy, Mark receives payments for $200 for his fracture, $300 for his treatment, and $75 for the X-Ray.

Mark is paid a flat amount.

He’s eligible for these payments regardless of his medical expenses.