Accident Insurance
Accident insurance (AI) helps protect your employees against the financial burden that accident-related costs can create. Accident insurance complements other benefits, including traditional health care insurance. When combined with Critical Illness or Hospital Indemnity insurance, AI offers employees an affordable, complete benefits package with the option of little or no direct cost to your company.
Learn More About Accidental Injury Benefits
Discover how our Accidental Injury Benefits can support your employees in this video.
Why Employees Need Accident Insurance
Accident insurance helps relieve financial strain for employees in the event of a covered accident. Claims payments are made in lump sums for eligible services provided as the result of an accident.
Nearly one in three U.S. families choose not to seek medical care due to cost. 1 AI can help alleviate those costs, because it’s important that employees have the coverage they need to protect themselves and their loved ones.
What Accident Insurance Covers
Our Accident insurance provides benefits for more than 80 accidental injuries in each of the following coverage categories:
Emergency, Hospital and Treatment Care Benefits:
- Emergency transportation
- Initial care (ER, urgent care)
- Diagnostic exams and more
Specified Injury & Surgery Benefits:
Catastrophic Benefits:
- Accidental death
- Dismemberment
- Coma
- Paralysis and more
Accident Insurance Is Flexible
Accident insurance is available with affordable group rates on a guaranteed issue basis (no health questions) and without waiting periods. It also includes:
- Logical claim processing - pays common claims automatically without additional paperwork
- Easy payroll deduction of premium payments
- Composite rates by coverage tier (Employee Only, Employee and Spouse, Employee and Child or Family; other coverage tier configurations available)
- The same benefit amounts for the employee and any dependents (except for accidental death amounts)
- Portability of coverage – employees have the option to take coverage with them when no longer eligible as an employee
- Optional Health Screening or Accident Prevention benefits 2
- Organized Sports and Motor Vehicle Safety and benefits options, covering all eligible recipients 2
Get the facts about Accident plans from The Hartford’s Employee Choice Benefits SM
Benefits Beyond Insurance
Employees may have access to resources and services that can support their life holistically.
Claims Integration and Proactive Communications
Discover how Claims Connections can help amplify the value of Supplemental Health benefits for you and your employees.
