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CASE STUDY Accident Indemnity Insurance Medium shot of a snowboarder coming down the mountain with trees behind him.How the plan worked for Chris Chris was involved in a snowboarding accident while on vacation when he suffered a 4-inch laceration on his head, a minor concussion and had to be lifted off the mountain by an ambulance. Chris continued to file claims, his MedMutual Protect Accident Indemnity* insurance plan paid ongoing benefits totaling $8,800, giving him an extra layer of financial protection to help cover the resulting medical expenses. Chart showing benefits paid to Chris for medical services Air Ambulance: $1,000 Leg Fracture: $2,500 Torn Knee Cartilage: $750 Concussion: $200 Emergency Room Treatment with X-Ray: $200 Hospital Admission: $2,000 Hospital Confinement (4 days): $1,600 2 – 6 in. long Laceration with Stitches: $300 Appliance: $150 Physical Therapy: $150 Total paid to Chris: $8,800 *Coverage based on MedMutual Protect voluntary worksite Accident Indemnity Edge Enhanced plan. Actual coverage may vary. Please check for your state’s plan availability at MedMutualProtectBenefits.com. This case study is a fictional example based on estimated costs. Please see MedMutual Protect voluntary worksite Accident Indemnity Features and Benefits before making a decision. CASE STUDY Accident Indemnity Insurance Medium shot of a snowboarder coming down the mountain with trees behind him. How the plan worked for Chris Chris was involved in a snowboarding accident while on vacation when he suffered a 4-inch laceration on his head, a minor concussion and had to be lifted off the mountain by an ambulance. As Chris continued to file claims, his MedMutual Protect Accident Indemnity* insurance plan paid ongoing benefits totaling $8,800, giving him an extra layer of financial protection to help cover the resulting medical expenses. Chart showing benefits paid to Chris for medical services. Air Ambulance: $1,000 Leg Fracture: $2,500 Torn Knee Cartilage: $750 Concussion: $200 Emergency Room Treatment with X-Ray: $200 Hospital Admission: $2,000 Hospital Confinement (4 days): $1,600 2 – 6 in. long Laceration with Stitches: $300 Appliance: $150 Physical Therapy: $150 Total paid to Chris: $8,800 *Coverage based on MedMutual Protect voluntary worksite Accident Indemnity Edge Enhanced plan. Actual coverage may vary. Please check for your state’s plan availability at MedMutualProtectBenefits.com. This case study is a fictional example based on estimated costs. Please see MedMutual Protect voluntary worksite Accident Indemnity Features and Benefits before making a decision.
CASE STUDY Accident Expense Insurance Medium shot of a man and woman riding bikes down the street. How the plan worked for Nick While riding his bicycle through his neighborhood, Nick hit a curb and fell off of his bike, fracturing his wrist. Luckily his injuries were minor, but his health insurance plan deductible wasn’t yet paid and the bill he received for $1,400 was a shock. Fortunately, Nick’s MedMutual Protect Accident Expense* insurance plan had a maximum calendar year benefit of $3,000, which paid him $1,400 for the bill with $1,600 left to use in the event he had another accident. Chart showing Nick’s total charges for medical expenses, how much his Accident Expense policy covered and how much money is remaining in his policy. Nick’s Billed Charges for emergency room visit and treatment**: $1,400 Total paid to Nick: $1,400 Total Nick’s Accident Expense plan has left for the year: $1,600 *Coverage based on MedMutual Protect voluntary worksite Accident Expense insurance plan with $3,000 maximum calendar year benefit. Actual coverage may vary. Please check for your state’s plan availability at MedMutualProtectBenefits.com. **Billed charges based on the average cost of an emergency room visit of $1,389. Source: Health Care Cost Institute healthcostinstitute.org This case study is a fictional example based on estimated costs. Please see MedMutual Protect voluntary worksite Accident Expense insurance Features and Benefits before making a decision.

Accident Indemnity Insurance

A sudden accident resulting in an injury to an employee or their loved ones can happen at any time. Even with minor accidents, costs can add up fast. A MedMutual Protect Accident Indemnity insurance policy pays employees benefits to help cover costs of injuries and medical services should an accident occur.

50 Children visit the ER Every Hour with an injury related to bikes, scooters, skates or skateboards.1

The MedMutual Protect Accident Indemnity policy offers unique benefits for employees and their covered dependents, including:

  • Flexible benefits for emergency care in a physician office, urgent care facility or emergency room.
  • On-going benefits for physical, speech and occupational therapies.
  • Policies may include Organized Athletic Benefit and Accident Health Screening Benefit riders.

How it Works

1

Select a policy option.

2

When an accident occurs-whether minor or major-the policy will pay a lump-sum benefit based on the type of injury incurred.

3

If treatment is received, the insurance policy will continue to pay benefits for services like:

  • Visit to the emergency room.
  • Physician’s office/Urgent care visit.
  • Hospital admission.
  • Ambulance—Air/Ground transportation.
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Accident Expense Insurance

You never know when or where an accident may occur—and even minor accidents can leave employees with major expenses. With a MedMutual Protect Accident Expense insurance policy, employees will receive cash benefits for their billed charges should they have a serious injury as a result of an accident.

107,100 accidental injuries occur on average, each day.2

MedMutual Protect Accident Expense insurance is an easy-to-understand policy that offers an annual benefit amount with claims paid based on itemized or billed charges, regardless of other coverage. With an Accident Expense policy, employees have:

  • Complete coverage for spouse and children.
  • 24-hour or off-the-job coverage.
  • Accidental Death, Disability Income and Accident and Health Screening Benefit riders.

How it Works

1

Select a Policy option.

2

When an accident occurs—whether minor or major—the insurance policy pays out a cash benefit based on the total itemized charges incurred up to the maximum benefit amount. This payment is in addition to any other benefit or insurance received.

3

Emergency care, follow-up care, diagnostic exams and physical therapy are all included.

  • Choose a maximum calendar year benefit.
  • Off-the-job or 24-hour coverage offers protection when an accident occurs.

Help employees prepare for the unexpected.

1Safe Kids Worldwide “Ready for the Ride: Keeping Kids Safe on Wheels” (2017) http://www.safekids.org/research-report/ready-ride-keeping-kids-safe-wheels

2Pew Research Center “Millennials overtake Baby Boomers as America’s largest generation” (2020) http://www.pewresearch.org/fact-tank/2016/04/25/millennials-overtake-baby-boomers/