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Accident insurance

Don’t let an accident hurt more than it could

Accident insurance helps you plan for the unexpected, reducing worry about what could happen to your personal finances when an accident happens.

What is accident insurance?

Accident insurance provides a lump sum cash payment to you if you suffer injury from an accident covered under the policy. You may use the money however you wish.

Policies vary, but some enable you to enroll for coverage for your dependents, too.

How accident insurance works


Janet elects coverage

offered by her employer. 


Janet slips off a chair and takes a tumble.

She breaks her lower leg and wrist and, though she doesn’t need surgery, spends two days in the hospital.


Janet gets a payment

from her insurance company. 


Janet uses the money

to pay her mortgage and obtain a cleaning service. 

What accident insurance covers

Accident insurance is not medical insurance. You may use the cash benefit any way you wish, whether it's to help pay medical expenses or daily living expenses. 

Accident insurance typically includes benefits that can help with:

  • Emergency room costs
  • Ambulance costs
  • Additional hospital expenses
  • Rehabilitation and therapy
  • Everyday living expenses

Certain limitations apply; be sure to check any policy for possible exclusions prior to enrolling.

Why accident insurance makes sense

While you’re spending money to cover medical costs, you might have less money coming in if your injury prevents you from being able to work.

What’s more, daily life might become more expensive if you can’t perform your usual day-to-day tasks like driving a car, cooking or mowing the lawn.

How do I purchase this type of insurance?

Our insurance products may be offered through your employer. Contact your employer's benefits department today to learn more about your group health insurance options and costs.

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This is a limited benefit product. Accident insurance has exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact Securian Financial. Product availability and features may vary by state.

DOFU 4-2022