You can’t plan on them, but you can plan for them.
Life is unpredictable, but your finances don’t have to be. At American Medical Plans, we help individuals and families secure reliable, affordable accident insurance to protect against the unexpected.
Whether you’re self-employed, between jobs, or just want extra peace of mind alongside your health plan, our team is here to help you find the right accident insurance coverage—tailored to your lifestyle, needs, and budget.
What Is Individual Accident Insurance?
Accident insurance is a supplemental policy that provides cash benefits when you suffer injuries from covered accidents. Unlike traditional health insurance, these benefits are paid directly to you—helping with out-of-pocket medical expenses or everyday living costs while you recover.
From ER visits and hospital stays to follow-up care, this plan helps cover what your health insurance might not—so you can focus on healing instead of bills.
Unexpected moments happen. Be prepared.
1. Accidents at Work
Depending on your job, your workplace can be a dangerous place, filled with hazards all around. Surrounded by other works and equipment, accidents can happen to anyone when they least expect it. If you are injured at work, our coverage can help with expenses.
2. Accidents Happen at Home
Many people don’t realize accidents can happen around your home. You can easily fall down the stairs, fall off a ladder cleaning out your gutters, or in numerous other ways. If you have an accident at home, knowing you’ll be covered gives you peace of mind.
3. While Playing
Many people enjoy the great outdoors, such as hiking and fishing. Others enjoy playing sports in their evenings and weekends. The likelihood of an accident happening greatly increases if you enjoy these types of activities. make sure you are covered if they do.
4. While Traveling
Traveling is an essential part of life, whether it is for business or pleasure. The world is a busy place and a lot of things can happen. If you are injured while traveling, you’ll be covered and you’ll receive help with your expenses, which can quickly add up, depending on the injury.
ACCIDENTAL INJURY BENEFIT
This benefit pays the actual charges for medical treatment due to accidental injury up to the amount shown per unit. Covered expenses include physician’s fees, surgery, x-rays, fracture reduction and dislocations or other emergency first-aid expenses. All covered expense must be incurred within 45 days of the accident-causing injury. If the expenses are incurred at a hospital emergency room, a $50 deductible will apply for each accidental injury.
ACCIDENTAL DEATH BENEFIT
This benefit pays a fixed amount per unit if an insured suffers a fatality as a result of an accident.
GROUND OR AIR AMBULANCE
This benefit pays the actual charges for ground or air ambulance transportation due to an accidental injury, up to the amount shown per unit.
HOSPITAL INCOME BENEFIT
If an insured is hospitalized for an accidental injury, we will pay a fixed amount per day, beginning the first day of confinement, subject to the number of units purchased. Payment will be made up to 30 days per hospital confinement resulting from any one accidental injury.
Dismemberment Benefits
This benefit pays a fixed amount per unit if the Primary Insured suffers any of the following dismemberments as a result of accidental injury.
Benefits are for the Primary Insured only.
Loss of Finger or Toe, Loss of Hand, Arm, Foot or Leg, Loss of Sight.
Injury Facts*
In 2016, unintentional injuries or accidents were the third leading cause of death accounting for an estimated 146,571 deaths.
- Number of injury-related visits: 39.0 million
- Number of visits per 100 persons: 43.3
- ER visits resulting in hospital admission: 12.3 million
- ER visits resulting in admission to a critical care unit: 1.5 million
* 2016 Centers for Disease Control and Prevention.
Ready for Peace of Mind?
Protecting yourself and your loved ones from life’s unexpected accidents doesn’t have to be complicated—or expensive. Let American Medical Plans help you find the right coverage so you’re ready when it matters most.
Schedule your free accident insurance consultation today.
Quick. Affordable. Reliable. That’s the American Medical Plans difference.