Accident insurance – Golden Rule Insurance Company
Why is accident insurance important?
When you're injured accidentally, the bills can add up. Accident insurance coverage will give you extra assistance for those medical expenses you weren’t expecting or find yourself facing as a result of accidental injury.
Why choose UnitedHealthcare branded accident insurance plans?
Benefits are paid even if you have health insurance
Regardless of what other insurance you might have, accident insurance will still pay benefits for covered services or expenses up to plan maximums. Benefits might even help with those out-of-pocket costs not covered by your main insurance.
Cash benefits are paid directly to you1
You can decide how best to use the benefits you receive.
Accidental death benefits are included with every plan
All UnitedHealthcare branded accident insurance plans come with Accidental Death & Dismemberment coverage or Accidental Loss of Life, Limb or Sight coverage included in the plan.2
Accident insurance FAQs
Benefits for most eligible expenses are available as soon as your policy starts. In select states, some accident insurance plans include critical illness or hospital stay for sickness benefits. Those benefits have a 30-day waiting period in most states where they are available.
For qualifying services or expenses, benefits are paid directly to you.1 Then you decide how best to use that money to help your situation.
No. Accident insurance is a type of insurance designed to be used as a supplement to your main health insurance. Accident plans pay for covered services or expenses you have because of accidental injury. Most eligible expenses must occur within a specified number of days after an accidental injury.
Call us
Need help finding a health plan that fits? Call one of our licensed insurance brokers at. 1-800-273-8115.
See the plans
Ready to see your health plan options? Let's get started.
Other options
Does your health plan meet all your needs? Find help covering what health insurance often doesn't.
This policy 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, call or write your licensed insurance agent or the company, whichever is applicable.
THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expense incurred.
UHOACCPROA3