Accident Insurance and Critical Illness Insurance

Accident Insurance and Critical Illness Insurance

Get More Ready

Life is full of all kinds of surprises. Be more ready to handle whatever comes your way with accident insurance and critical illness* insurance.
Accident Insurance and Critical Illness Insurance

Cash Benefits When You Need Them

Accident insurance and critical illness insurance, which we call Accidental Injury and Critical Illness benefits are there for you when life is, well, life-ing. They both give you a cash benefit to use on whatever you need after a covered injury or during a serious illness. Think things that your health insurance might not take care of - like deductibles, travel expenses for treatment or even food delivery and rent. You decide how to best use the benefit payment for your situation.
 
Having accident insurance and critical illness insurance is a good way to be more ready when life doesn’t go exactly as planned.

What’s Covered

Accidental Injuries

From burns to broken bones and so much more: 
 
  • Dislocations and fractures
  • Burns and lacerations
  • Emergency transportation
  • Initial care (ER, urgent care)
  • Follow-up care

Critical Illnesses

Coverage for serious illnesses such as: 
 
  • Cancer
  • Stroke
  • Heart attack
  • Alzheimer's disease
  • Parkinson's disease
A man and woman reviewing documents at a desk with a laptop

How Do I Sign Up?

You can enroll through work during your employer’s open enrollment event. Often, employers also let you enroll when you have a qualifying life change, such as getting married or the birth of a new baby.

Questions and Answers About Benefits

Accidental injury and critical illness benefits work alongside your other benefits and cover things even the best medical plans don’t. After a covered injury or serious illness, you get a direct cash benefit payment to use how you see fit while you heal. For example, you can put it toward medical co-pays, groceries, childcare, rent or even a food delivery service.
The cost of accidental injury and critical illness benefits varies based on your employer, but they're typically an affordable way to better protect your finances. For example, your monthly cost for each benefit could be as low as the price of one specialty coffee.
If you’re enrolled in a plan through The Hartford, you’ll submit an online claim through our friendly member website. Once your claim is reviewed and approved, the cash benefit payment is sent directly to you – not a health care professional or facility. 
Depending on your employer’s plans, you may be able to choose a family plan option during enrollment. Check your employer’s plan details before enrolling. 

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* Critical Illness is referred to as “Specified Disease” in New York.
 
1 Supplemental Health products (Accident, Critical Illness and Hospital Indemnity) are independent and do not coordinate with any other health coverage.

Accident Form Series includes GBD-2000, GBD-2300, GBD-3300, GBD-3500, or state equivalent.
 
Critical Illness Form Series includes GBD-2600, GBD-2700 GBD-3600, GBD-3700, or state equivalent.
 
THESE POLICIES PROVIDE LIMITED BENEFITS. THEY PROVIDE COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICIES. These limited benefit plans (1) do not constitute major medical coverage, and (2) do 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: The Critical Illness policy provide limited benefits health insurance only. The Accident policy provides ACCIDENT insurance only. IMPORTANT NOTICE—THE ACCIDENT POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. These policies do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire 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 https://www.thehartford.com.