Accident Insurance

Fixed cash benefits for covered injuries, paid directly to you on top of any other coverage.

No cost. No pressure. Takes about 2 minutes.

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Woman in an orange sweater wincing at a nicked finger

Most accidents aren’t catastrophes. That’s the catch

A health plan with a high deductible does its real work in a disaster. A broken wrist, a deep cut, a bad landing: those bills land squarely inside the deductible, and you pay them out of pocket. Accident insurance covers exactly that zone: fixed cash amounts per covered treatment, from day one, whether or not your health plan has paid a cent.

The trampoline party

ER, X-ray, cast, follow-up: a routine kid fracture, handled in one afternoon and billed entirely inside a typical deductible.

The rec-league ankle

Urgent care, imaging, a walking boot, then physical therapy. Nobody’s emergency, just weeks of visits that add up.

The garage ladder

Eight stitches and a tetanus shot at urgent care. Small enough to shrug off, big enough to notice on a bank statement.

No waiting period

Accident benefits start the day your policy does. No enrollment window, nothing to accrue.

Hospital admission

Generally, though not always, this is where the benefit pays its full amount. An inpatient stay triggers the largest line on the schedule.

Follow-ups count too

Urgent care, therapy, and checkup visits within your policy’s window are covered categories on most plans.

Most eligible expenses must occur within the policy’s stated window after the accident. Your benefit schedule lists the exact amount per category.

Hedging your bets

A benefit you can size to your deductible

Benefit levels are set when you enroll, so the payout can be structured as a hedge against your deductible. If something beyond a routine visit arises, and the treatment is a covered service under your plan, the stated amounts pay in the zone your health plan makes you cover first.

  • Size the benefit level to mirror your deductible when you enroll
  • Covered treatments pay their stated amounts, whether or not your health plan has paid yet
  • Benefits are paid to you, so the money lands exactly where the gap is
Deductible line
Health plan takes over
Your deductible: you pay first
Accident benefit, paid to you
The injury bill Your accident plan

Illustrative. Benefit levels and covered services vary by plan and state.

Before you enroll

Every schedule is different. An agent reads yours with you

Every carrier prices its own benefit schedule, and every state edits it. A licensed agent, not a call center, walks the exact dollar amounts, windows, and exclusions for your ZIP in plain English, at no cost and with no obligation.

Frequently asked questions

GetHealthPlans.com licensed agent GetHealthPlans.com licensed agent Answers by our licensed team Reviewed for accuracy Updated September 1, 2026

A supplemental policy that pays fixed cash benefits for eligible expenses caused by accidental injuries. It’s designed to hand you money after a covered injury, not to replace your health plan.

No. It’s a supplement to health insurance, not a substitute for major medical coverage or ACA minimum essential coverage. It pays stated amounts for covered injuries and nothing for illness, outside select-state critical illness or hospital-sickness benefits.

Yes. Benefits for covered expenses are paid up to plan maximums regardless of what other insurance you carry. Even if your health plan pays 100% of the medical bills, the accident plan still pays its benefits for eligible costs.

Not for accident benefits, which are available as soon as the policy starts. Where critical illness or hospital-stay-for-sickness benefits are included, those specific benefits have a 30-day waiting period in most states.

For qualifying services or expenses, benefits are paid directly to you. There’s no requirement to spend the money on medical bills.

Benefits attach to covered treatment categories such as ER, imaging, fractures, and surgery, and most eligible expenses must occur within a specified number of days after the accident. Your policy states the exact window.

Plan configurations and eligibility vary by state. A licensed agent will confirm who can be covered on a single policy where you live.

Premiums depend on the benefit level, your state, and who’s covered. Accident plans are among the lowest-premium policies we quote. Run your ZIP above or call and we’ll price it in minutes.