Be Prepared for Life's Unexpected Accidents
AccidentWise pays cash benefits directly to you to cover out-of-pocket costs related to accidental injuries, so you can focus on recovery, not medical bills.
Get a Free QuoteWhat is AccidentWise?
Accidents happen when you least expect them, but you don't have to face the financial burden alone. AccidentWise provides lump-sum cash benefits to help cover medical expenses, lost wages, and other everyday costs following an accident.
This budget-friendly accident insurance plan helps individuals and families prepare for the unexpected with fast payouts, no network restrictions, and renewable coverage for life.
Key Benefits
- Cash benefits paid directly to you to use however you choose
- Coverage for emergency room visits, hospital stays, surgeries, and more
- Choose from three levels of benefits based on your needs
- Premiums do not increase with age
- Guaranteed renewability—coverage for life as long as you pay your premiums
Coverage Details
AccidentWise offers cash benefits to help cover a wide range of accident-related medical expenses:
| Benefit | Plan 10000 | Plan 15000 | Plan 20000 |
|---|---|---|---|
| Hospital Admission (within 30 days of injury, one per policy year) | $10,000 | $15,000 | $20,000 |
| Emergency Room Treatment (within 72 hours of injury, max 4 per year) | $1,000 | $1,500 | $2,000 |
| Urgent Care Center Visit (within 72 hours of injury, max 4 per year) | $200 | $300 | $400 |
| Major Diagnostic Exams (CT Scan, MRI, EEG within 30 days of injury, one per year) | $1,000 | $1,500 | $2,000 |
| Follow-Up Treatment OR Physical Therapy (Up to 5 visits per policy year) | $100 per visit | $150 per visit | $200 per visit |
| Outpatient Surgery (within 30 days of injury, one per year) | $1,000 | $1,500 | $2,000 |
| Accidental Loss of Life, Limb, or Sight (within 90 days of injury, one-time payout) | $10,000 | $15,000 | $20,000 |
Use Your Cash Benefits For:
- Medical deductibles, copays, and coinsurance
- Everyday living expenses like rent/mortgage, car payments, and child care
- Additional medical needs such as physical therapy and recovery services
Plan Options
Choose the right level of coverage based on your financial needs and lifestyle:
| Plan Type | Hospital Benefits | Emergency Room Coverage | Accidental Death & Dismemberment |
|---|---|---|---|
| Plan 10000 | $10,000 per hospital admission | $1,000 per emergency visit | $10,000 |
| Plan 15000 | $15,000 per hospital admission | $1,500 per emergency visit | $15,000 |
| Plan 20000 | $20,000 per hospital admission | $2,000 per emergency visit | $20,000 |
✅ Guaranteed acceptance for individuals ages 18-75. No medical exam required!
How It Works
Choose Your Plan
Select a benefit level that fits your financial protection needs.
Apply Online
No medical exam required for eligibility.
Receive Benefits
If you're injured, receive direct payments to help cover costs.
Use Your Money
Pay for medical bills, household expenses, or recovery services.
✅ No restrictions on which hospitals, doctors, or specialists you use!
Why Choose AccidentWise?
- Cash Benefits Paid Directly to You – Use them for any purpose, from medical bills to living expenses.
- Works Alongside Health Insurance – Covers gaps in high-deductible health plans.
- No Deductibles, No Copays – Get your full benefit amount without additional costs.
- Portable Coverage – Stay covered even if you change jobs or move to another state.
- Trusted Provider – Underwritten by Golden Rule Insurance Company, a UnitedHealthcare brand.
Prepare for the Unexpected with AccidentWise
Accidents can happen at any time—don't let them derail your finances. Get the coverage you need today!
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