EssentialCare Accident Indemnity

EssentialCare Group Accident Indemnity pays a lump-sum benefit when the insured or a covered dependent has a covered accident or injury. Payments can be used to pay for major medical copays and deductibles, or additional expenses like transportation, child care, and more to help fill gaps in employees’ healthcare coverage.

A doctor walking with a patient in a cast

Why EssentialCare Group Accident Indemnity?

Up to 54 benefit offerings to cover a wide range of accidents and injuries, plus support service coverages including wellness, dependent adult and child care, and more

Modular, adaptable plan designs can be tailored to complement client need and underlying major medical

All EssentialCare policies are easy to sell and administer thanks to a simple RFQ process, and best-in-class administration and claims adjudication

Key Features

Guaranteed Issue Icon

Guaranteed issue, with no underwriting or waiting period for coverage to kick in1

Lump Sum Icon

Lump-sum payments with no networks or coordination of benefits

Flexible plan icon

Variety of benefit offerings, including Non-Professional Organized Sports benefit, and AD&D benefit built into the certificate

Claim Icon

Simplified claims submission with benefits paid directly to the insured

Family Coverage icon

Family coverage available

customizable icon

Customizable plan designs to meet your client’s needs

1Coverage for the Accident Indemnity plan underwritten by BCS Insurance Company is considered guaranteed issue provided: 1) the employee is actively at work; and 2) the employee and all covered dependents are enrolled in a major medical health plan that meets minimum essential coverage requirements as provided under the Affordable Care Act (ACA).

Target Market

Employer groups with 51+ employees

Minimum participation is 10 enrollees, or 10%, whichever is greater

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