Accident Insurance

Accident Insurance

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Accident Insurance

What Is Accident Insurance?

Accident insurance offers an additional layer of financial protection than health insurance alone. It pays cash benefits as a lump sum that employees can use to pay for unexpected medical bills, groceries or childcare. Accident insurance helps ease the financial burden when workers need it most.
What are Accidental Injury Benefits?

Learn More About Accidental Injury Benefits

Discover how our Accidental Injury Benefits can support your employees in this video.

Why Accident Insurance?

With one in four U.S. families opting out of medical care due to cost, Accident insurance is key to creating a comprehensive benefits package for your employees.1 It complements other benefits and can help close the financial gap left by traditional health care insurance. When combined with Critical Illness or Hospital Indemnity insurance, Accident insurance offers employees an affordable and complete benefits package with the option of little or no direct cost to your company.
1 in 5
people seek medical attention for an injury every year.2
 
33%+
of employees indicate financial security as a main reason for enrolling in benefits.3
Nearly 75%
of employees believe Accident insurance benefits are meant for them.3
 

What Accident Insurance Covers

Our Accident insurance product provides benefits for more than 80 accidental injuries in each of the following coverage categories:

Initial and Emergency Care Benefits:

  • Emergency transportation
  • Initial care (ER, urgent care)
  • Diagnostic exams

Follow-up Care Benefits

  • Telemedicine
  • Therapy services
  • Medical travel 

Optional Benefits

  • Line of duty injury 
  • Organized sports injury4
  • Motor vehicle safety4

Hospital/Confinement Care Benefits

  • Hospital admission
  • Step down unit confinement
  • Hospice 

Specific Injury Benefits

  • Brain injury
  • Burns and lacerations
  • Dislocations and fractures 

Surgery Benefits

  • Joint replacement
  • Hernia repair
  • Abdominal/cranial/ thoracic surgery

Catastrophic Benefits

  • Accidental Death & Dismemberment
  • Coma
  • Paralysis
 
Additional product features:
 
  • 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 employees and dependents.**
  • Extended Continuation – employees have the option to take coverage with them if they leave their job.
  • Health Screening or Accident Prevention benefits.
  • Ability Assist® EAP - 24/7/365 access to help with financial, legal or emotional issues.4
  • HealthChampion®5 - Administrative and clinical support following serious illness or injury.5
 
Get the facts about Accident plans from The Hartford.
 
Claims Integration and Proactive Communications

Claims Integration and Proactive Communications

Discover how Claims Connections can help amplify the value of Supplemental Health benefits for you and your employees.6
772294b 05/25
Accident Form Series includes GBD-3300, GBD 3500, or state equivalent.
 
Accident Form Series includes GBD-2000, GBD-2300, or state equivalent.
 
1 The Federal Reserve May 2024, “Economic Well-Being of U.S. Households in 2023”, Federal Reserve Board Publication, viewed on February 26, 2025
 
2 National Safety Council. Injury Facts All Injuries Overview - Injury Facts (nsc.org) , viewed on February 26, 2025
3 The Hartford internal research 2024
 
4 The services described in this material are offered through The Hartford by ComPsych® Corporation. ComPsych® is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych® and reserves the right to discontinue any of these services at any time. Services may vary and not be available in all states. Visit www.thehartford.com/employee-benefits/beyond-insurance for more information.
 
5 HealthChampion® specialists are only available during business hours. Inquiries outside of this timeframe can either request a call-back the next day or schedule an appointment.
 
6 Supplemental Health products (Accident, Critical Illness and Hospital Indemnity) are independent and do not coordinate with any other health coverage.
 
THE ACCIDENT POLICY IS A LIMITED ACCIDENT ONLY BENEFIT POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. 
 
In New York:  This Accident policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.TheHartford.com.  All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.