An accident can always ruin a good time. If it does, your health insurance will help cover doctors’ costs and medical treatments. What it doesn’t cover is on you. This is when Accident insurance kicks in. The valuable layer of protection from Accident insurance can reduce the costs and inconveniences of a mishap. It could make a huge difference when your family needs it most. Get covered today, and rest easy tomorrow.
Accident insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Plus, getting coverage is easy and affordable with:
Both of the Accident insurance plan options available to you also pay an additional 25%, up to $2,000 per year, for a covered accident incurred while playing in an organized amateur sport activity with formal registration (such as with a town soccer team, work softball league, or church sponsored basketball league).
Who is eligible?
Can I insure my domestic or civil union partner?
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
What is Accident insurance?
With Accident insurance, you’ll receive a cash benefit for each covered injury and related services. You can use the payment in any way you choose, from expenses not covered by your major medical plan to day-to-day costs of living such as your mortgage or utility bills.
Life has its ups and downs, and you never know when you’ll need extra support. That’s why The Hartford partners with your employer to offer you voluntary benefits – what we call “voluntary insurance coverages.” Think of our plans as a safety net, ready to help you in tough times, like if you become sick or get into a bad accident.
You can choose what you want by selecting the benefits that are right for your needs. And you’ll likely pay less than usual because you’re buying them through your employer’s group plan.
Why do I need it?
When can I enroll?
Am I guaranteed coverage?
When does this insurance begin?
Insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage).
You must be actively at work with your employer on the day your coverage takes effect. Your spouse and child(ren) must be performing normal activities and not be confined (at home or in a hospital/care facility), unless already insured with the prior carrier.
When does this insurance end?
Can I keep this insurance if I leave my employer or am no longer a member of this group?
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. © 2021 The Hartford.
The ACCIDENT POLICY IS A LIMITED ACCIDENT ONLY BENEFIT POLICY. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. In New York: This Accident policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
Accident Form Series includes GBD-2000, GBD-2300, or state equivalent. Policy number .
To learn more, visit the links and download the educational PDFs provided. These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
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