Cash Benefits After an Unexpected Injury
Accident insurance pays a lump-sum or per-incident cash benefit directly to you when you're injured in a covered accident. Unlike health insurance that pays your doctors and hospitals, accident insurance sends money directly to you, helping cover deductibles, co-pays, lost wages, and any other expenses your health plan doesn't address.
For government employees with high-deductible FEHB plans, accident insurance is an affordable way to protect against the real out-of-pocket cost of unexpected injuries.
The Real Cost of Accidents
An ER visit averages $2,200 out of pocket even with insurance. Add ambulance fees, follow-up care, and lost wages, and a single accident can cost thousands.
Accident insurance typically costs under $20/month for an individual and pays benefits regardless of your health plan's coverage.
What Accident Insurance Covers
Emergency Room Visits
Lump-sum payments for ER visits and urgent care, covering the high costs health plans only partially reimburse.
Fractures & Dislocations
Cash benefits for broken bones, dislocations, and major joint injuries, scaled by severity of the injury.
Physical Therapy
Ongoing rehab and physical therapy visits are covered, supporting full recovery without worrying about costs.
Surgery Benefits
Scheduled surgical benefit payments help offset out-of-pocket costs from accident-related procedures.
Ambulance Transport
Emergency ambulance benefits cover ground and air transport costs that health insurance often underpays.
Family Coverage
Cover your spouse and children under a single family policy for whole-household accident protection.
Common Situations Where Accident Insurance Pays
Broken Arm at Work or Home
Health insurance covers the ER and cast. Accident insurance pays you a separate cash benefit for the fracture, helping cover the deductible and any lost wages.
Knee Injury Requiring Surgery
After surgery and physical therapy, out-of-pocket costs can reach $3,000+. Accident insurance sends cash directly to you to cover those out-of-pocket expenses.
Child's Sports Injury
Kids' sports injuries are common and costly. Family accident policies pay benefits per injury, per family member, providing a financial cushion for parents.
Car Accident Injuries
Even with auto and health insurance, accident-related injuries leave significant out-of-pocket gaps. Accident insurance fills them with direct cash payments to you.
Get Accident Insurance Coverage Today
A GRS specialist will find the right accident insurance plan for you and your family at a price that works with your budget.
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