Accident Insurance
Accidents happen. You never know when or where, but they can disrupt your life and lead to major unexpected costs. Our Accident Insurance can provide financial relief when unexpected injuries occur.
Convenient Plan Designs
Deductible Amount
Plan designs have deductible options ranging from $0 to $5,000.
Coinsurance
Plan designs have coinsurance coverage (reimbursement) levels of 80% and 100%, payable after your deductible is met.
Maximum Benefit Amount
Plan designs maximum benefit amounts range from $10,000 to $1,000,000.
Accident Insurance Coverage
With an accident, there can be a lot of different expenses. Our Accident Insurance covers both inpatient and outpatient services.
| Inpatient Benefits | Outpatient Benefits |
|---|---|
| Emergency Room | Urgent Care |
| Hospital Stay and Services | Outpatient Surgery |
| Surgery | Outpatient Anesthesia |
| ICU | Physical Therapy |
| Anesthesia | Ambulance |
| Prosthesis | Doctor's Visits |
| Physician Treatment | X-Rays and Lab Tests |
Frequently Asked Questions
Accident insurance helps pay for medical expenses resulting from covered accidental injuries. Benefits may help cover emergency room visits, hospital stays, surgery, ambulance transportation, physical therapy, doctor visits, X-rays, lab tests, and other inpatient or outpatient treatment related to an accident.
Many people choose accident insurance to help with out-of-pocket costs that health insurance may not fully cover, such as deductibles, coinsurance, copays, and other unexpected expenses that can result from an accident.
Benefit amounts vary based on the plan selected. MedMutual Protect offers accident insurance plans with maximum benefit amounts ranging from $10,000 to $1,000,000, giving individuals flexibility to choose the level of protection that fits their needs. Benefits can be paid directly to you and can be used for a variety of accident-related expenses, lost income, transportation, lodging, or other everyday expenses that may arise during recovery.
Yes. Accident insurance can provide benefits for emergency room treatment, hospital stays, intensive care, surgery, anesthesia, physician services, and other covered medical expenses resulting from an accidental injury.
Accident insurance may be a good option for individuals and families who want additional financial protection from unexpected accidents. It can be especially valuable for active individuals, parents with children, people with high-deductible health plans, and anyone concerned about unexpected medical expenses.
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. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America, Reserve National Insurance Company, or MedMutual Life Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.