Accident / Catastrophic Accident Insurance

Comprehensive Accident & Catastrophic Insurance

Accidents can happen without warning, making dependable coverage essential. At Insurance for the people, we provide accident insurance offering peace of mind when unexpected injuries occur. Our catastrophic accident insurance plans are designed to protect you and your family from the financial challenges that may follow major injuries or accidents. With tailored insurance solutions, you can prepare for the unexpected and protect your financial future.

NON-FATAL INJURIES Resulting in Medical Attention1 47.2 Million Nearly 1 in 7 Americans INJURIES Resulting in Death1 169,936 96% Increase Over 25 Years 1 Injury Facts, 2019 Edition, National Safety Council

Accident Insurance

At some point in life, most people may experience an accident. It could be an automobile accident, an injury at work, or a sports-related mishap. When an unexpected accident occurs, it may affect your health, income, and financial stability. You could lose income because of missed work, medical visits, recovery time, and other challenges. At the same time, you may have costly medical expenses and bills that need to be paid.

Catastrophic Accident

When accident insurance may not cover all medical costs and everyday expenses, catastrophic accident insurance can provide added protection. Our catastrophic accident coverage is designed to provide support following serious accidents and eligible injuries. It provides $2,000,000 in lifetime coverage per policy.
Your main focus should be recovery. With this additional coverage, you can have greater financial peace of mind while you take the time you need to recover after an accident.

Accident Plan Features & Benefits

ACCIDENT BENEFIT $2,000 or $4,000 of Coverage Per Insured Person, Per Accident
Can Be Used Alongside Other Insurance
Guaranteed Renewable Up to Age 80
DISABILITY INCOME Optional Accident Benefit for the Primary Insured, Up to $2,000 Per Month
ACCIDENTAL DEATH BENEFIT $100,000 This benefit pays a fixed amount per unit if an insured suffers a fatality as a result of an accident.
GROUND OR AIR AMBULANCE This benefit pays the actual charges for ground or air ambulance transportation due to an accidental injury, up to the amount shown per unit. $10,000 Benefit
HOSPITAL INCOME BENEFIT If an insured is hospitalized for an accidental injury, we will pay a fixed amount per day, beginning the first day of confinement, subject to the number of units purchased. Payment will be made up to 30 days per hospital confinement resulting from any one accidental injury. $300 PER DAY
DISMEMBERMENT BENEFITS This benefit pays a fixed amount per unit if the Primary Insured suffers any of the following dismemberments as a result of accidental injury. Benefits are for the Primary Insured only.
Loss of Finger or Toe
Single Loss Benefit $1,000
Multiple Loss Benefit $2,000
Loss of Hand, Arm, Foot, Leg
Single Loss Benefit $10,000
Multiple Loss Benefit $20,000
Loss of Sight
Single Loss Benefit (One Eye) $10,000
Multiple Loss Benefit (Both Eyes) $20,000

Catastrophic Plan Features & Benefits

LIFETIME MAXIMUM BENEFIT o $2,000,000 CALENDAR YEAR MAXIMUM BENEFIT o $250,000 o $500,000 DEDUCTIBLE Per Insured person with a maximum of three (3) deductibles per Calendar Year under this policy. o $100,000 o $75,000 o $50,000 o $25,000 After the deductible, the plan will pay the Actual Charges up to the Usual, Customary and Reasonable amount for Covered Expenses incurred while Hospital Confined due to Injury of an Insured person. Actual Charges are defined as the actual amount paid by You or any other entity for services, treatment or material rendered. ACCIDENTAL DEATH BENEFIT We will pay the Accidental Death Benefit
ACCIDENTAL DEATH BENEFIT We will pay the Accidental Death Benefit amount of $50,000 due to death of an Insured person up to age 64, caused by an Injury payable under this policy.
RENEWABILITY The policy is guaranteed renewable to age sixty-five (65) of the Primary Insured (Applicant).