Group Accident Expense

As a leader in the accident expense market, we're looking at how we can help our customers deal with increasingly high deductibles. So, we’re bringing you meaningful coverage with real cash benefits through four distinct plans at a variety of price points, plus a unique Prime Benefits plan, for employers to choose from.

Why Accident Expense?

The average deductible for all covered workers rose from $303 to $1,077 between 2006 and 2015. *

As the cost of healthcare continues to rise, even a small accident could turn into a big problem for many employees and their families. Assurity is here to make getting help and understanding coverage refreshingly simple.
Accident Expense insurance provides a cash payment that can be used to pay for medical expenses resulting from a covered accident. Getting healed and healthy shouldn’t mean a gut-punch to the bank account or regular daily life. That’s why these payments can be used for other expenses too — groceries, rent, bills, even a vacation...you name it.

*Kaiser Family Foundation 2015 Employer Health Benefits Report

How It Works

(Emergency Treatment) $500 + (Ambulance) $500 + (X-ray) $300 + (1 Day Hospital Confinement) $400 + (Hospital Admission) $3,000 + (Crutches) $125 = $4,825

1)  An employee's covered son is injured playing in a school football game and is taken by ambulance to the ER. 2) X-Rays determine he has a severe fracture, requiring a hospital stay.
3) After being released, they submit a claim to Assurity. 4) Hooray! Their son's accident is covered and Assurity sends the insured a $4,825 check.

About Group Accident Expense

Meaningful coverage. Real cash benefits.

Assurity’s Group Accident Expense insurance provides employees with more than a policy number. And employers now have more options to fit their employees' budgets through four distinct plans and price points to choose from, plus a unique Prime benefits plan – all of which are HSA-friendly*. Should an accident occur, a Group Accident Expense or Group Accident Expense - Prime Benefits policy may help cover expenses.

*Not HSA-compatible with Outpatient Care Rider

Group Accident Expense

Group Accident Expense insurance provides cash benefits for expenses that may not be fully covered by major medical insurance. We offer four distinct plans across six care categories, along with valuable add-ons for extra financial protection.

  • Emergency Care
  • Specific Injury Care
  • Surgical Care
  • Supportive Care
  • Hospital Care
  • Preventive Care

Group Accident Expense - Prime Benefits

Strong, simple and a breath of fresh air, the Prime plan is designed to respond to rising deductibles and copays. It includes these 10 key benefits with better coverage:

  • Initial Accident Treatment
  • Follow-Up Treatment
  • Telemedicine Treatment
  • Appliances
  • Ambulance
  • Hospital Admission
  • X-Rays
  • Hospital Confinement
  • Diagnostic Exams
  • Intensive Care

Get In Touch

To learn more, contact your regional sales team.

Why Assurity

Coverage that counts from a company that cares.

At Assurity, we’re working hard to make the business of insurance simple – more human – by listening, showing that we care and offering customers invaluable insurance products and financial protection. More than a business with a bottom line, we’re a mutual organization whose mission is helping people through difficult times. By dedicating ourselves to the community, the environment and using our business as a force for good, we’re able to take the long view when it comes to upholding our promises. Assurity is also the first major life and specialty health insurer to become a Certified B Corporation®, demonstrating we meet the rigorous standards of social and environmental responsibility.