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Accident Insurance

Accidents are a fact of life

You can’t prevent every accident, but you can choose to protect yourself and your family with accident insurance. Across America accidents happen at an alarming rate. Every second of every day someone is disabled from an accidental injury. The National Safety Council reports that unintentional injuries are a “major health concern” for children in the U.S.1 If you or a family member were in an accident, your major medical plan may cover most of your medical expenses, but you’re likely to be responsible for out-of-pocket expenses such as deductibles and copays. Benefits are paid directly to you or someone designated by you regardless of any other insurance you have. Many benefits have no lifetime maximums, and rates won’t increase because you use your policy. This policy can cover you or your entire family.

  • About 37 million Americans (1-in-8) seek medical attention for a nonfatal injury in a typical year.2
  • The annual economic impact of all unintentional injuries is measured at $753 billion nationwide.3
  • About 33% of all hospital emergency room visits in the U.S. are injury related.4
There are two basic costs associated with accidental injuries.

Medical Expenses

These costs typically are partially or fully covered by your standard medical insurance. Examples include doctor bills and hospital charges.

Nonmedical Expenses

These indirect, unavoidable expenses caused by accidental injuries may have to be paid out of your own pocket.

Nearly 74% of the total cost of accidents (including lost wages) is nonmedical.5

Medical Costs are only one piece of the puzzle

If you are ever injured in an accident, supplemental health insurance benefits can help while you recover. Benefit payments can be used as needed to help pay expenseslike these:

  • Special Expenses

    Special Diets
    Family Care

  • Insurance Shortfalls

    Benefit Limitations

  • Living Expenses

    House Payments
    Car Payments

  • Loss of Income

    If you or your spouse is unable to work or must provide care for a family member.

Protect you and your family against the potential financial loss of
an accidental injury.

Accident Insurance Benefits

Return of Premium

  • ICU and Emergency Room Benefits
  • Accident-Specified Benefits
  • Accidental Death and Dismemberment Benefits
  • Short-Term Disability Benefits
  • AND Many Other Benefits

Accident Assure insurance offers a 100% Return of Premium Benefit. This means if you keep your policy and rider in force for the designated period of time, you will receive a check for all premiums paid, less any claims.6

1National Safety Coucil, Injury Facts 2013 Edition, p.38.

2National Safety Coucil, Injury Facts 2013 Edition, p.2.

3Ibid., p.2.

4Ibid., p.28.

5National Safety Coucil, Injury Facts 2013 Edition, p.46.

6The return-of-premium benefits are contained in rider form CHIC-8047, including state variations, where used.

Insurance policies underwritten by Washington National Insurance Company, home office: Carmel, IN.
LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.

The return of premium (ROP) or cash value (CV) (in MO, “cash return”) benefit is subject to state and product availability. The benefit has an additional charge and may pay minus claims or regardless of claims based on the policy selected. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid.