Accident Insurance

When life takes an unexpected turn, Unum Accident Insurance can help you pay for the expenses your medical insurance doesn’t cover. Enroll in this benefit when it’s offered at work, for convenient coverage and a little extra peace of mind.

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You can’t always avoid accidents — but you can be prepared

Even with good insurance, injuries can set your finances back in a big way. And when you're hurt, the last thing you want to worry about is out-of-pocket expenses you're not prepared to pay.

Accident Insurance can help, by paying benefits directly to you if you get treatment for a covered accident. That way, your injury doesn't have to derail your financial security.

How it works

If you or your covered family members are injured in a covered accident, Accident Insurance pays you a lump-sum amount to help take care of unexpected costs and protect your finances. Here's how it works:

  • A set amount is paid directly to you, based on the type of injury you have, the treatment you need, and the coverage you elected.
  • You can use the payment as you see fit — to help pay for doctor visits, ambulance fees, hospital bills and other out-of-pocket expenses your health insurance doesn't cover.
  • Coverage may be available for your spouse and children.
  • To help promote a healthy lifestyle, plans can also pay a benefit when you get a covered health screening test.

How it helps

Every year

more than 29 million people suffer an injury severe enough that emergency department treatment is needed.1

is the average cost of an emergency room visit in 2016 (up more than 31% from 2012).2

Explore other ways to protect your finances

Learn more about our other supplemental health benefits.

1 Office of Disease Prevention, “2020 LHI Topics-Injury and Violence”, 2020

2 Health Care Cost Institute, 2016 Healthcare Cost and Utilization Report, 2018.


Insureds in some states must be covered by comprehensive health insurance before applying for Accident insurance.

The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations that may affect any benefits payable.

Individual coverage is underwritten by Provident Life and Accident Insurance company, Chattanooga Tennessee. Group coverage is underwritten y Unum Life Insurance Company of America, Portland, Maine or Unum Insurance Company, Portland, Maine.In New York, individual coverage is underwritten by First Unum Life Insurance Company, New York, New York. In New York, group coverage is underwritten by First Unum Life Insurance Company, New York, New York or Provident Life and Casualty Insurance Company, New York, New York.

The base policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

The expected benefit ratio for the individual accident policy is 50% percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.