Health insurance pays them.
Accident insurance pays YOU.
When an unexpected injury happens, high-deductible health plans leave you drowning in out-of-pocket bills. Get cash deposited directly into your bank account to cover deductibles, rent, or groceries.
- Use the cash for absolutely anything—no restrictions.
- Pays out regardless of your primary health insurance.
- No deductibles to meet before you receive your benefit.
Emergency Room & Urgent Care
Whether it's a sprained ankle or a deep cut needing stitches, you get a fixed cash benefit just for walking through the ER or Urgent Care doors.
Hospital Confinement
If an accident requires an overnight stay or surgery, your policy pays a substantial daily or lump-sum benefit while you recover.
Fractures, Burns & Lacerations
A simple broken arm playing weekend sports can cost thousands out-of-pocket. We pay you a specific cash amount based on the injury type.
Get Your Benefit Quote
See how much coverage you can get for less than the cost of a daily coffee. Zero obligation.
The Modern Health Safety Net
Major medical insurance is designed to stop you from going bankrupt, but it doesn't stop you from going broke. Accident insurance provides the immediate cash flow you need when sidelined by an injury.
Ambulance & Transport
A single ambulance ride can cost thousands and is rarely fully covered by major medical. We pay a fixed benefit just for the ride to the hospital.
Follow-up Visits
Healing takes time. Get paid for every covered follow-up doctor visit, MRI, X-ray, or specialist consultation related to the accident.
Physical Therapy
Rehabbing a torn ACL or broken leg? Receive a daily cash benefit for covered physical therapy sessions required to get you back on your feet.
Accidental Death & Dismemberment
Provides a substantial lump-sum cash payment to your family or beneficiaries in the event of a catastrophic, life-altering accident or loss of life.
Out-of-Pocket Offset Estimator
High deductibles mean you pay the first few thousand dollars of any medical bill. See how an accident policy deposits cash directly into your account to cover those massive gaps.
Scenario Builder
What you pay before insurance kicks in.
Financial Impact
Your Out-Of-Pocket
$3,500
What you owe the hospital
Cash Paid To You
$2,800
Deposited to your bank
A broken bone results in roughly $4,500 in medical bills. You owe $3,500 to meet your deductible. The accident policy deposits $2,800 directly to you, drastically shrinking your financial disaster.
*Educational tool. Hospital bills are illustrative averages. "Out-of-Pocket" caps at your entered deductible. "Cash Paid to You" is based on average schedule of benefits for specified injuries (e.g., ER benefit + Fracture benefit + Follow-up). Actual payouts vary by policy.
Stop Assuming You're Fully Covered
Many people assume their employer-provided health insurance or Workers' Comp protects them. In reality, massive gaps exist that only supplemental accident insurance can fill.
| Coverage Feature | Accident Insurance | Major Health Ins. | Workers' Comp |
|---|---|---|---|
| Who gets the money? | Paid directly to YOU | Paid to the Doctor | Paid to the Doctor |
| Deductible Required? | None ($0) | Yes ($1k - $8k+) | None |
| Covers weekend sports? | Yes (24/7 Coverage) | Yes (After deductible) | Denied (Off-the-job) |
| Use funds for rent/food? | Yes (Unrestricted) | No | Only partial wages |
Who Actually Needs This?
If an unexpected $2,500 hospital bill would force you to use a credit card or drain your savings, you need this safety net.
Active Families
Kids play sports. Kids fall off bikes. An accident policy ensures that a trip to the ER for a broken arm doesn't ruin the family's monthly budget.
Gig Workers & Contractors
If you drive for rideshare or work construction independently, you don't have Workers' Comp. If you get hurt on a Sunday, you need cash to survive while you can't work.
High-Deductible Health Plans
Many people have health insurance deductibles over $5,000. Accident insurance acts as a bridge, giving you the cash to pay the hospital before your primary insurance kicks in.
Accident Insurance FAQs
Clear answers about how you get paid when the unexpected happens.
Does this replace my normal health insurance?
No. Accident insurance is "supplemental." Major medical pays the hospital for massive illnesses and long-term care. Accident insurance pays *you* directly to handle the immediate out-of-pocket gaps, deductibles, and living expenses resulting from an injury.
Are the cash payouts taxable?
In almost all cases, benefits paid out from a personal accident insurance policy are entirely tax-free. If you receive a $5,000 check for a broken leg, that $5,000 is yours to keep and use however you see fit.
What if I don't go to the hospital right away?
Most policies require you to seek medical treatment within a certain timeframe (usually 48 to 72 hours) after the accident occurs to claim the initial emergency room or urgent care benefit. However, follow-up care and physical therapy are covered for months afterward.