Accident insurance issued by The Prudential Insurance Company of America, pays benefits for the following types of accidental injuries, including: fractures, dislocations, burns, eye injuries, and dental injuries. Benefits are also paid for services like ambulance transportation, emergency room and urgent care visits, medical testing, surgery, hospital stays, therapy services, and physician follow-up visits.

Accident insurance can complement both your Health and Disability insurance—you can simultaneously receive benefits from all sources, and one won’t affect the other.

Health insurance: Accident insurance can supplement your Health insurance if your injury requires medical treatment that your health plan doesn’t cover. Benefits can be used to help cover deductibles,  co-pays, and other accident-related costs. This is particularly useful if you have a high deductible insurance plan.

For example, your health insurance may cover a portion of hospital fees associated with surgery for an eye injury. Accident insurance pays you additional benefits—both for the injury itself and for the surgery—that you can use to help with any residual costs.¹

Disability insurance: Accident insurance offers relatively low benefit amounts compared to Disability insurance, but it can complement Disability coverage by providing benefits even if your injuries don’t keep you out of work. While Disability insurance pays benefits each month you remain disabled, there is a waiting period before those benefits begin. Accident insurance can help bridge that gap, which could be particularly helpful if you don’t have much in the way of emergency savings.

Accident insurance is an affordable way to help supplement your Health and Disability insurance . Plans start at just $10 per month for individuals and less than $25 for families. Learn more about Accident insurance. Enrollment is easy—there are no medical questions or exams.

Enroll online and secure coverage now.

¹Accident insurance is not a replacement for health insurance and does not satisfy the Affordable Care Act’s health insurance coverage requirements.

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

The products issued by The Prudential Insurance Company of America may not be available in all states.

Not for residents of New Mexico

Not for use in New Mexico

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This 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.

IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Contract provisions may vary by state. Contract Series: 83500.

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