Group Accident Insurance
Give your clients a way to offset employees’ unexpected out-of-pocket costs after a covered accident
Top 3 reasons to offer supplemental insurance products to your clients
Helps clients address coverage gaps
Expand your product offerings
Differentiate your business and strengthen client relationships
Key plan features
Guaranteed issue
No networks or coordination of benefits, so members can use their preferred providers
Expanded benefits, including organized sports and AD&D coverage
Support service coverages, including family lodging and transportation(1)
24-hour continuous coverage, with family coverage available
How Accident Insurance works
A 30-year-old man injures his back at home, resulting in an ER visit, hospital stay and ongoing physical therapy treatments.
Total Benefit Payout:
$3,625*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
Seamless claims. Better member experience.
Deliver a better benefits experience with EssentialPay(2), BCS’s seamless claims integration approach. Members are automatically alerted when a qualifying claim is received, and claims can even be submitted on their behalf.
How benefits are paid
Benefits are paid directly to the insured. Payments can be used for medical copays and deductibles, as well as transportation, childcare, housekeeping help, or more.
Top questions about Group Accident Insurance
Accident Insurance is a supplemental health insurance product that helps your clients pay for out-of-pocket medical and non-medical costs from an accident or injury. This insurance product is separate from their primary health plan and will provide lump-sum cash benefits that are paid directly to the insured employee, not doctors or hospitals.
Group Accident Insurance is a simple way for clients to offset employees’ unexpected out-of-pocket costs after a covered accident.
Accident Insurance may provide benefits for covered injuries such as fractures, dislocations, burns, lacerations, concussions, and eye injuries, as well as accident-related medical services including emergency treatment, ambulance transportation, hospital stays, surgery, rehabilitation, physical therapy, and follow-up care.
(1) Not all products and benefits available in all states. Exclusions may apply. See policy certificate for details.
(2) EssentialPay: Not available across all product lines. EssentialPay is not a guarantee of claims payment. Claims will be reviewed for potential benefits and paid subject to the terms and conditions of the group policy documents. Additional medical records and proof of claim may be required.