Accident Insurance

Accident Insurance

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Accident Insurance

What Is Accident Insurance?

Accident insurance (AI) helps protect your employees against the financial burden that accident-related costs can create. Accident insurance complements other benefits, including traditional healthcare insurance. When combined with Beneficios por enfermedad crítica o Hospital Indemnity insurance, AI offers employees an affordable, complete benefits package with the option of little or no direct cost to your company.
Hospital Cash Benefits Overview

Learn More About Accidental Injury Benefits

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

Why Employees Need Accident Insurance

Accident insurance helps relieve financial strain for employees in the event of a covered accident. Claims payments are made in lump sums for eligible services provided as the result of an accident.
Nearly one in three U.S. families choose not to seek medical care due to cost.1 AI can help alleviate those costs, because it’s important that employees have the coverage they need to protect themselves and their loved ones.

What Accident Insurance Covers

Our Accident insurance provides benefits for more than 80 accidental injuries in each of the following coverage categories:
Emergency, Hospital and 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

Accident Insurance Is Flexible

Accident insurance is available with affordable group rates on a guaranteed issue basis (no health questions) and without waiting periods. It also includes:
  • 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 the employee and any dependents (except for accidental death amounts)
  • Portability of coverage – employees have the option to take coverage with them when no longer eligible as an employee
  • Optional Health Screening or Accident Prevention benefits2
  • Organized Sports and Motor Vehicle Safety and benefits options, covering all eligible recipients2
Get the facts about Accident plans from The Hartford’s Employee Choice BenefitsSM
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.
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Accident Form Series includes GBD-2000, GBD-2300, or state equivalent.
1 2020 Health Care Survey., March 12, 2020:, viewed as of 12/1/2021.
2 Optional benefit or plan design or rider and availability vary by state.
3 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit for more information.
The Hartford Financial Services 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 Todos los beneficios están sujetos a los términos y condiciones de la póliza. 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.