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Accidents happen, but you don't have to be unprepared.


Accident Pro Series – Golden Rule Insurance Company

Accidents happen, but you don't have to be unprepared.

If you’re injured by the unexpected, the Accident Pro Series underwritten by Golden Rule Insurance Company can help.F32 Accident ExpenseGuard pays you directly for eligible expenses associated with an accidental injury or pays a lump sum for a related accidental death or dismemberment (AD&D). Other plans add coverage for critical illness and hospitalization for sickness.F33

Benefits in addition to those paid by other insurance

Accident Pro series benefits are paid for eligible expenses regardless of what other health insurance may cover.

Benefits paid directly to you

You’re paid for covered expenses related to accidental injury, up to your calendar year maximum.

Help for high deductibles

Accident Pro series payments can help with those out-of-pocket costs your main health insurance doesn’t cover.

AD&D in Every Plan

The Accidental Death & Dismemberment benefit amount is the same as the accidental injury benefit amount. It pays in addition to any accident benefits to you or a beneficiary.F34

Critical Illness Coverage

Accident ProGuard and Accident ProGap plansF33 add critical illness benefits for a number of covered conditions. The critical illness benefit matches the accident benefit level selected.F34

Hospital Sickness Coverage

Accident ProGapF33 adds coverage for one more unexpected event, hospitalization due to sickness. If you’re ill and admitted to the hospital for more than 24 hours, you’re paid a lump sum payment to help with those costs, one payment per covered person per calendar year.


Health ProtectorGuard Options – Golden Rule Insurance Company

Take a glance at the benefits & Compare with confidence

Yes. All Accident Pro series plans include AD&D coverage. The amount of that coverage matches the accidental injury coverage amount selected for the plan.

With Accident Pro series products, accident and AD&D coverage is in effect as soon as the policy starts. If you choose a plan that includes critical illness or hospital stay for sickness benefits, those benefits have a 30-day waiting period in most states.

For qualifying accident expenses, illnesses, or hospitalizations due to sickness, benefits are paid directly to you. Then you decide how best to use that money to help your situation.

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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 insurance agent or the company, whichever is applicable.