Group supplemental health insurance
Accident insurance
Accidents don’t need to be big to be expensive. Even common injuries like a broken arm can have a significant impact on employee finances.
That’s why accident insurance can be an important part of any voluntary benefits plan.
Two types of coverage
Scheduled benefit accident
This coverage pays benefits based on a “schedule” of covered accidents. Fixed benefit amounts are paid for covered injuries and related medical services.
This coverage is a great fit for employers who prioritize catastrophic injury protection.
Please note that products, features, terms and conditions may vary by state and may not be available in all U.S. states or any U.S. territory.
Per-occurrence accident
This coverage pays 100% of eligible services and supplies after a covered accident, up to a plan maximum. Plans can be customized between $300 and $10,000 per accident, and cover one or three accidents per insured, per year.
If you're new to accident insurance or need a simpler plan design, per-occurrence accident insurance is the way to go.
Which type of coverage is right for your group?
Use the chart below to compare scheduled benefit and per-occurrence accident plans.
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| Guaranteed issue |  |
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| Flexible plan designs | |
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| Tiered rates | |
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| No coordination of benefits | |
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| Automatic direct payroll deductions | |
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| Additional coverage options, including benefits for parents, caregivers, first responders and health care workers | |
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| Portability, continuation and/or extension of coverage | |
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| Accidental death and dismemberment (AD&D) coverage | |
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| Broad definition of qualifying injuries | |
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| Option to add higher benefit amounts for injuries that occur during organized sports | |
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| Wellness screening benefits | |
Learn more about Symetra accident insurance
Scheduled benefit accident product guide (PDF)
Per-occurrence accident product guide (PDF)
More Symetra group supplemental health insurance products:
Next steps
To learn more, contact your benefits broker or consultant.
Scheduled benefit and per-occurrence accident coverage, insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, is not available in all U.S. states or any U.S. territory. It is not intended to cover the cost of all hospital or other medical services. It is not a replacement for major medical or other comprehensive coverage and does not satisfy the minimum essential coverage requirements of Affordable Care Act. Base policy form number for scheduled benefit is SBC-03510 1/18 and for per-occurrence is LGC-10011P 10/11.
THIS POLICY IS ISSUED AS AN ACCIDENT ONLY POLICY. IT DOES NOT PAY BENEFITS FOR LOSS CAUSED BY ILLNESS.
Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.
If you’re an employer in Arizona, please click this link to view the exclusions and limitations for accident insurance.
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