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Compare Marketplace (ACA) & Short-Term Medical options. Get real-time savings estimates. Bundle your plan with dental, vision, and critical illness coverage.
Accident Insurance: Financial Protection When Life Takes a Sudden Turn
Affordable coverage that helps pay for medical bills, recovery, and daily expenses after an accident.
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What is Short-term Medical Insurance
Accident insurance is a type of supplemental insurance that pays cash benefits directly to you if you’re injured in an accident.
Unlike traditional health insurance (which usually pays the doctor or hospital), accident insurance puts money in your pocket so you can use it however you need, whether that’s covering medical bills, groceries, rent, childcare, or lost income while you recover.
Why Do You Need it?
Accidents are unpredictable. A simple slip, a car accident, or a sports injury can create unexpected bills. Accident insurance helps soften the financial blow by giving you fast cash benefits when you need them most.
Accident Insurance Benefits
Extra financial protection when the unexpected happens, helping you and your family stay secure.
Cash Benefits
Paid directly to you, not the hospital.
Covers Medical Costs
ER visits, hospital stays, and rehabilitation included.
Protects Your Family
Helps cover bills while you recover.
Flexible Coverage
Choose a plan that fits your needs and budget.
Who Needs Accident Insurance?
Real talk: accidents happen. This pays cash benefits when they do, so deductibles, copays, and life stuff don’t wreck your budget. Click a tile to match your situation.
Families with Kids
Kids = sports, bikes, playground spills. Even a simple broken arm can cost thousands.
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- Cash benefits can offset ER, urgent care, imaging, and follow-ups after a covered injury.
- Gives parents peace of mind (and financial breathing room) for bumps, sprains, and breaks.
Active Adults & Athletes
Weekend warriors, gym-goers, cyclists—slips and strains happen.
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- Helps with costs from sprains, fractures, and concussions after covered accidents.
- Think of it as a financial spotter while you recover.
Workers in High-Risk Jobs
Construction, delivery, warehouse, mechanics—higher risk even with workers’ comp.
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- Can cover out-of-pocket costs workers’ comp doesn’t (deductibles, copays, etc.).
- Helps with everyday expenses while you’re recovering.
People with High-Deductible Health Plans (HDHPs)
HDHPs save on premiums, but accidents hit your deductible first.
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- Pays cash directly to you—use it toward that big deductible or other bills.
- Helps plug the gap before your health plan fully kicks in.
Seniors & Older Adults
Slip-and-fall accidents are more common with age—and recovery adds up.
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- Helps with ER visits, rehab, and recovery costs after covered accidents.
- Protects retirement savings from surprise medical expenses.
Anyone Who Wants Extra Financial Security
No big emergency fund? One accident can derail your finances.
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- Affordable safety net that pays cash for covered injuries.
- Use funds for medical bills—or rent, groceries, and childcare.
How Accident Insurance Works
Three quick steps. Cash benefits paid to you after a covered accident.
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Pick Your Benefit & Who’s Covered
Choose your cash benefit level, individual or family coverage, and see monthly cost up front.
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Enroll & Activate Coverage
Finish a simple application, choose an effective date (often as soon as tomorrow), and access your ID info.
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Get Care, File a Claim & Get Paid
If a covered accident happens, see any provider, upload bills/diagnosis, and receive cash benefits directly, use it for medical or everyday expenses.
Understanding Key Accident Insurance Terms
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Save when you combine health insurance with dental, accident, vision, disability income, and more.
When life throws the unexpected your way, your health plan shouldn’t leave you with a stack of bills. Our supplemental insurance bundles give you cash benefits directly to you so you can focus on healing, not expenses.
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Why Bundle?
Extra coverage when your health plan stops short
Cash payouts to help with rent, bills, or recovery
One application, multiple protections
Significant savings when bundled with your core health plan
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Premiums
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Out-of-pocket costs
Find out if you qualify for $0–low-cost premiums based on your income & household size
Know Your Enrollment Windows
Getting the right health coverage starts with knowing when you can enroll.
At OnePoint Insurance Agency, we guide you through your options whether you’re enrolling for the first time, switching plans, or qualifying due to a life change. Here’s how to take action based on your eligibility:
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
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Frequently Asked Questions (FAQs)
What is accident insurance?
Accident insurance is extra protection that pays cash benefits if you’re injured in a covered accident. You can spend the money however you need, from medical bills to groceries.
How does accident insurance work?
It’s simple:
An accident happens.
You file a claim.
You get paid cash benefits.
The money goes to you, not the hospital.
Who needs accident insurance?
Families with active kids
Adults with busy or high-risk jobs
Athletes and fitness lovers
People with high-deductible health plans
Seniors who want peace of mind
What does accident insurance cover?
ER visits and ambulance rides
Hospital stays and surgeries
Broken bones, burns, and dislocations
Physical therapy and rehab
Accidental death & dismemberment (if included in your plan)
Can I use it with my health insurance?
Yes. Accident insurance is supplemental. It’s designed to help pay out-of-pocket costs that health insurance doesn’t cover, like deductibles and co-pays.
How much does it cost?
It’s usually very affordable, often just a few dollars per week, depending on your age, location, and coverage.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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