Accident Indemnity and Accident Expense Insurance

You can’t predict an accident, but you can offer financial protection. Accidents can happen when you least expect them. Employees deserve to have the option for financial protection if an accident occurs.

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Accident Indemnity Insurance

A sudden accident resulting in an injury to an employee or their loved ones can happen at any time. Even with minor accidents, costs can add up fast. A MedMutual Protect Accident Indemnity insurance policy pays employees benefits to help cover costs of injuries and medical services should an accident occur.

Included Benefits

The MedMutual Protect Accident Indemnity insurance policy offers unique benefits for employees and their covered dependents, including:

Flexible benefits for emergency care in a physician office, urgent care facility or emergency room.
On-going benefits for physical, speech and occupational therapies.
Policies may include Disability Income, Organized Athletic Benefit and Accident Health Screening Benefit riders.

How it Works

Select a policy option.
When an accident occurs-whether minor or major-the policy will pay a lump-sum benefit based on the type of injury incurred.
If treatment is received, the accident indemnity insurance policy will pay benefits for services like:
1. Visit to the emergency room
2. Physician’s office/Urgent care visit
3. Hospital admission
4. Ambulance—Air/Ground transportation

Included Benefits

The MedMutual Protect Accident Indemnity insurance policy offers unique benefits for employees and their covered dependents, including:

Flexible benefits for emergency care in a physician office, urgent care facility or emergency room.
On-going benefits for physical, speech and occupational therapies.
Policies may include Disability Income, Organized Athletic Benefit and Accident Health Screening Benefit riders.

How it Works

Select a policy option.
When an accident occurs-whether minor or major-the policy will pay a lump-sum benefit based on the type of injury incurred.
If treatment is received, the accident indemnity insurance policy will pay benefits for services like:
1. Visit to the emergency room
2. Physician’s office/Urgent care visit
3. Hospital admission
4. Ambulance—Air/Ground transportation

Accident Expense Insurance

You never know when or where an accident may occur—and even minor accidents can leave employees with major expenses. With a MedMutual Protect Accident Expense insurance policy, employees will receive cash benefits should they have an injury as a result of an accident.

Included Benefits

MedMutual Protect Accident Expense insurance is an easy-to-understand policy that offers an annual benefit amount with claims paid based on itemized or billed charges, regardless of other coverage. With an Accident Expense policy, employees have:

Complete coverage for spouse and children.
24-hour or off-the-job coverage.
Policies may include Accidental Death, Disability Income and Accident and Health Screening Benefit riders.

How it Works

Choose a maximum calendar year benefit.
When an accident occurs—whether minor or major—the insurance policy pays out a cash benefit based on the total itemized charges incurred up to the maximum benefit amount. This payment is in addition to any other benefit or insurance received.
Emergency care, follow-up care, diagnostic exams and physical therapy are all included.

Included Benefits

Complete coverage for spouse and children.
24-hour or off-the-job coverage.
Policies may include Accidental Death, Disability Income and Accident and Health Screening Benefit riders.

How it Works

Choose a maximum calendar year benefit.
When an accident occurs—whether minor or major—the insurance policy pays out a cash benefit based on the total itemized charges incurred up to the maximum benefit amount. This payment is in addition to any other benefit or insurance received.
Emergency care, follow-up care, diagnostic exams and physical therapy are all included.

Policy Forms KB-MAI, KB-EAI, KB-MA-DR, KB-EA-DR, KB-A-OAA-1901, KB-A-ST-1901 and KB-MAE and KB-EAE, KB-EA-DR, KB-MA-DR, KB-EAE-AR, KB-MAE-AR, KB-A-ST-1901.

This policy has exclusions and limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact MedMutual Protect.

This is only a summary of products and services offered. Actual offerings may vary by group size and other underwriting considerations and are subject to the requirements of state insurance laws and regulations, and the benefits/provisions as described may vary due to such requirements. All products are subject to the terms, conditions, limitations and exclusions of the specific policy, and coverage will only become and remain effective to the extent provided by the applicable terms, conditions, limitations, and exclusions of such policy. Please see the specific policy and certificate for details. Policies are not available in all states.

MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, GAP, Short Term Disability and Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, ﬁnancial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity and Signature Gap is Fidelity Security Life Insurance Company^® (FSL). FSL is not ﬁnancially afﬁliated with Medical Mutual of Ohio. All products are subject to the terms, conditions, limitations and exclusions of the speciﬁc policy. Product availability may vary by state. FSL is located in Kansas City, Missouri, and has been rated “A” (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com.

Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

The MedMutual Protect voluntary insurance products, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act.

IMPORTANT: If an individual is insured under one or more MedMutual Protect voluntary insurance products and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in MedMutual Protect coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. MedMutual Protect acts solely as the issuer and underwriter of these insurance products and as such, neither MedMutual Protect nor any of its affiliates or agents assume any fiduciary or administrative responsibility or duties with respect to any employee benefit plan under which the products are made available. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.