Find the right accident coverage

Stories and information to help you plan, prepare and protect what matters most.

get the help you need when you need it.

Our coverage pays you cash benefits that correspond with hospital and intensive care confinement. Your plan may also include coverage for a variety of occurrences. The cash benefits can be used to help pay for deductibles, treatment, rent and more.

Here are some helpful FAQ:

The accident coverage pays a specified amount when a covered person is injured as a result of a covered accident. It provides 24-hour coverage for both on- and off-the-job injuries. A benefit is paid for Accidental Death, Dismemberment, Dislocation or Fracture, Initial Hospital Confinement, Daily
Hospital Confinement, Intensive Care, Ambulance and more. A Benefit Enhancement Rider is also included, which adds coverage for Hospital Admission, Lacerations, Burns, Computed Tomography (CT) Scan and Magnetic Resonance Imaging (MRI), General Anesthesia, Physical Therapy, Family Member Lodging and more.

No. The policy is offered on a Guaranteed Issue basis, which means you do not need to answer medical questions.

No. There is no waiting period to receive benefits after the effective date of coverage.

An accident is any unforeseen, unintentional injury. The plan may even cover things like allergic reactions, food poisoning and bee stings.

Yes, some sports-related injuries are included in the coverage. There are exclusions, which are listed in the brochure.

Yes, an outpatient physician’s treatment benefit is included. This benefit is payable for any trip to the doctor’s office; the visit does not have to be accident related. For example: $50/day for up to two days per year for individual coverage or $50/day for up to four days per year when dependents are covered.

Coverage becomes effective on the date listed on the employee certificate.

You can continue coverage for yourself and your dependents (whether or not the plan stays active) as long as you make premium payments directly to Allstate Benefits. Payments need to be received by Allstate Benefits within 30 days of the plan termination date.

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