Voluntary Accident Insurance

What is Accident Insurance?

Accident Insurance helps protect against the financial burden that accident-related costs can create. Accident Insurance from The Hartford complements other benefits, including traditional healthcare insurance. When it’s combined with Voluntary Critical Illness it offers employees an affordable, complete benefits package without undue expense to their employer.
 

Why Employees Need Accident Insurance

Accident Insurance from The Hartford helps relieve financial strain for employees in the event of a covered accident, while also helping to curb costs. Claims payments are made in flat amounts based on services incurred during an accident.
 
In the U.S., a disabling injury occurs every second, and an accidental death occurs every four minutes.1 It’s important to make sure that employees have the coverage they need to protect themselves and their families.
 

What Accident Insurance Covers

Our accident insurance provides benefits for more than 80 accidental injuries, related expenses and treatments in each of the following coverage categories.
 

Emergency, Hospital & Treatment Care Benefits:

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

Specified Injury & Surgery Benefits:

  •  Dislocations
  •  Fractures
  •  Surgery
  •  Burns and more

Catastrophic Benefits:

  •  Accidental death
  •  Dismemberment
  •  Coma
  •  Paralysis and more

How Accident Insurance is Flexible

Accident Insurance is available with affordable group rates, on a guaranteed issue basis (no health questions) and with no required waiting periods. It also includes:
 
  • Easy payroll deduction of premium payments
  • Composite rates by coverage tier (Employee Only, Employee + Spouse, Employee + Child or Family)
  • The same benefit amounts for the employee and any dependents (except for accidental death amounts)
  • Portability of coverage with current benefits and rates
  • Only 10 insured lives required for participation

What Employees Get

The Hartford goes beyond the benefit with built-in value-added services to support an employee's recovery – at no extra cost to the company or the employee.
 
  • Ability Assist®4 – Confidential support for emotional, legal and financial issues
  • HealthChampionSM5 – Offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and claims concerns
 

How to Get Accident Insurance

The Hartford makes it simple for brokers and employers to find the right coverage. Connect with a representative from The Hartford today.
 
 
5759s NS 02/18
 
Accident Form Series includes GBD-2000, GBD-2300, or state equivalent.
 
1 Injury Facts. National Safety Council. 2014 Edition. P. 37. Print.
4 Ability Assist® services are offered through The Hartford by ComPsych.® 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. Ability Assist is a registered trademark of The Hartford. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
 
5 HealthChampionSM services are provided through The Hartford by ComPsych.® ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford doesn’t provide basic hospital, basic medical, or major medical insurance. 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. 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. HealthChampion is a service mark of ComPsych. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

Why Accident Insurance?

Learn more about how our Accident Insurance can benefit you and your employees.