accident-insuranceAn employee may elect Accident insurance coverage to offset unexpected medical expenses resulting from an accident not fully covered by their regular health insurance.  It pays benefits in case of an accidental injury or accidental death to include emergency room services, surgeries, ambulance services, crutches, rehabilitation, deductibles, co-pays, recovery care, travel and lodging expenses for family members, and other expenses.

Accident supplement policies are popular with healthy people who have high-deductible insurance plans, defraying upfront premium costs while providing a "backup plan" in the unlikely event of a calamity.