Accident Insurance for Unexpected Expenses
Financial support to protect you and your family from life’s what-ifs.
What Is Accident Insurance?
An accidental fall, a sprain during yardwork, or a broken bone at the playground can lead to surprise medical bills. Accident insurance is designed to help with unexpected expenses after a covered accident, so you can focus on recovery instead of out-of-pocket expenses.
Is Accident Insurance Right for Me?
Accident insurance is designed for people who want extra financial protection for life’s surprises, including:
- Want extra protection beyond major medical insurance
- Need benefits to help pay for medical bills, household costs, or recovery time
- Value flexibility and budget-friendly coverage options
If you’re in one or more of these situations, accident insurance might be a good fit.
Recovery Comes with Enough to Manage.
Accident insurance helps cover eligible medical costs tied to an accident, so you can get some peace of mind when you need it most.
*Disclaimer: Optional riders may not be available in all states. Coverage may vary from state to state and is subject to terms, limitations, and conditions.
How Much Does Accident Insurance Cost?
The cost of accident insurance depends on factors like your age, location, benefit amount and deductible level.
Coverage range ($-$$$)
Pay monthly
Benefits amounts that match your needs
How Does Accident Insurance Work?
Apply
Choose your plan option.
Use
If an accident occurs, seek care. Save your bills and documents.
Benefits Used
Set cash benefits are paid directly to you.
Why Choose SGIC?
Coverage You Understand. Support You Can Count On.
Insurance can be confusing. That’s why SGIC works with Premier Insurance Benefits, a licensed insurance agency that takes the mystery and confusion out of the insurance buying experience. Get ready for clear, straightforward insurance plans and knowledgeable, friendly people to guide you every step of the way.
Financial Protection. Trusted Foundation.
SGIC AD&D plans are state-regulated and supported by trusted, licensed administration—so you can feel confident in the protection you choose.
Frequently Asked Questions
What does accident insurance cover?
Benefits can help pay for medical bills not covered by your insurance and can also be used for related expenses like ambulance fees, rehabilitation, and medical devices.
Is this the same as major medical insurance?
No. Accident insurance is supplemental. It does not replace comprehensive health coverage. Accident insurance helps with out-of-pocket costs after a covered accident not covered by your insurance. You still need comprehensive health insurance for routine care, accidents, and illnesses.
Can I choose my own providers?
Accident insurance doesn’t include a network of providers. You can pair accident insurance as additional coverage to your primary insurance plan which typically includes network discounts, lowering out-of-pocket costs to help your benefits go further. Contact us to speak with a team member who can help you find the coverage that works best for you.
How fast are benefits paid?
Once all paperwork has been submitted and your claim is approved, benefits are issued according to your plan.
The information presented above is a brief description of the important features of this insurance plan. It is not an insurance contract. Coverage is subject to meeting eligibility requirements. Coverages are described in general and may vary depending on your state of residence and plan purchased. Deductibles, limits, waiting periods, limitations and exclusions may apply. Actual benefits are determined by the terms and conditions of your policy and certificate alone. The plan described here does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to HealthCare.gov.