Accident Insurance
Accident insurance from The Hartford helps you pay for unexpected costs that can add up due to common injuries such as fractures, dislocations, burns, emergency room or urgent care visits, and physical therapy. If you or a covered family member has an accident, this plan pays a lump-sum, tax-free benefit.
The amount of money depends on the type and severity of your injury and can be used any way you choose. Aetna HDHP plan participants are automatically enrolled in Accident insurance, fully paid for by the company.
Accident Insurance
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens