Accident insuranceFinancial protection for accidents big and small Accidents don’t need to be big to be expensive. Even common injuries like simple fractures can have a significant impact on employee finances. That’s what makes accident insurance an important part of any benefits plan. To meet the unique needs of your clients, Symetra offers two types of accident insurance. They work in different ways, but both give employees a financial cushion against out-of-pocket costs after an accident. |
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Two coverages to choose from
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Scheduled benefit accidentThis coverage is a great fit for clients who prioritize catastrophic injury protection. It pays fixed amounts based on the types of injuries or treatments, and in general, the more serious the accident, the greater the benefits paid. Three standard plan designs are available, and each can be customized to meet a group's needs. Click the benefit options below to see what can be included in this plan. Please note that products, features, terms and conditions may vary by state and may not be available in all U.S. states or any U.S. territory. Please contact your Symetra representative for additional information and state availability. Injuries and diagnosesBenefits are paid for many injuries and diagnoses, including animal bites, carbon monoxide poisoning, electric shocks, injuries from a robbery or aggravated assault, sprains, traumatic brain injuries (TBIs) and more. Contact your Symetra representative for a complete list. 
Medical servicesPlease note these are only covered if they're required as a result of a covered accident that occurs while the policy is in effect. Benefits are paid for many medical services, including acupuncture, home health care services, joint replacements, telemedicine follow-up doctor visits, urgent care, vocational therapy and more. Contact your Symetra representative for a complete list.
Catastrophic accident benefit riders*Standard: A lump-sum benefit is provided if an insured suffers accidental death, common carrier accidental death, or bodily dismemberment as the direct result of an accident. Enhanced: Includes the standard catastrophic accident benefit, plus advance benefit payments for terminal injuries and benefits for mass shooting death, natural disaster death, survivor income and workplace death.
Wellness screening benefit riders*Standard: Pays benefits for covered screenings such as mammograms, blood tests for lipids, chest X-rays and more. Enhanced: Includes the standard wellness screenings, plus benefits for annual physicals, biometric screenings, dental exams/cleanings, eye exams, immunizations and well-child exams.
Organized sport activity benefit riders*Child organized sport activity benefit rider: This rider pays a higher benefit amount for accidents that occur during organized sporting events. It covers children of any age, as long as they are covered dependents on the insured's plan. Insured organized sport activity benefit rider: This rider allows the primary insured and their covered spouse and/or dependent children to be eligible for higher benefit amounts if they experience an accident that occurs during organized sporting events.
24-hour OR nonoccupational coverage24-hour coverage for accidents that occur either on or off the job can be provided. Nonoccupational options are also available.
Family-focused benefit riders*Child care benefit rider: Pays benefits if the insured needs to arrange new child care services as a result of their injury. Pet care and boarding benefit rider: Pays benefits if the insured needs to arrange new pet care services for cats, dogs or horses at their residence as a result of their injury. Parental caregiver benefit rider: Allows insureds to extend their core accident coverage to parents, in-laws or grandparents who reside with them full-time.
First responder and health care worker benefit riders*First responder benefit rider: First responders can receive benefits for gunshot wounds, workplace aggravated assault and more. Health care worker benefit rider: Health care workers can receive benefits for workplace aggravated assault and occupational HIV/HEP/TB exposures or diagnoses. Health systems additional benefit rider: Health care workers can receive higher benefit amounts for certain medical services provided within their employer's system.
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Per-occurrence accidentIf your clients are new to accident insurance or need a simpler plan design, per-occurrence accident insurance is the way to go. It pays 100% of eligible services and supplies related to an accidental injury, up to your client’s plan maximum. Plans can be customized between $300 and $10,000 per accident, and cover one or three accidents per insured, per year. Benefits are paid for the following eligible expenses related to an accident. Click the benefit options below to see what's covered. X-rays, MRIs and CT scansBenefits are provided for these services when they are ordered or performed by a physician.
Inpatient prescription drugsBenefits are provided when:
SurgeryBenefits are provided when surgical procedures are performed by a licensed physician.
DentalBenefits are provided for treatment performed by a licensed physician or licensed dentist in connection with the following:
MedicalBenefits are provided for the following services and supplies when they are provided or prescribed by a licensed physician or other licensed health care provider:
Inpatient hospitalBenefits are provided when all of the following conditions are met:
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*Additional premium required.
Compelling features to empower your customers
- Customizable plan designs to meet a group's unique needs.
- Guaranteed-issue coverage.
- No coordination of benefits.
- Spouse and dependent coverage available.
Want to learn more? Contact your Symetra representative today.
Scheduled benefit and per-occurrence accident coverage, insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, are not available in all U.S. states or any U.S. territory. It is not intended to cover the cost of all hospital or other medical services. It is not a replacement for major medical or other comprehensive coverage and does not satisfy the minimum essential coverage requirements of Affordable Care Act. Base policy form number for scheduled benefit is SBC-03510 1/18 and for per-occurrence is LGC-10011P 10/11.
Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.
THE ACCIDENT POLICY IS ISSUED AS AN ACCIDENT ONLY POLICY. IT DOES NOT PAY BENEFITS FOR LOSS CAUSED BY ILLNESS.
The policies and riders are not available in all U.S. states or any U.S. territory. Terms and conditions may vary by the state in which they are available. A rider is a provision of the policy that may have additional costs, limitations, potential benefits and features that should never be confused with the base policy itself. Before evaluating the benefits of a rider, carefully examine the policy to which it is attached.
Enhanced Catastrophic Accident Benefit Rider form number in most states is SBC-03513-CAB 2/24. Organized Sport Activity Benefits Rider form number in most states is SBC-03513-COS 2/24. Family Care Benefits Rider form number in most states is SBC-03513-FCB 2/24. First Responder-Specific Benefits Rider form number in most states is SBC-03513-FRB 2/24. Health Care Worker-Specific Benefits Rider form number in most states is SBC-03513-HCW 2/24. Parental Caregiver Benefit Rider form number in most states is SBC-03513-PCB 2/24. Health System Additional Benefit Rider form number in most states is SBC-03515-HSR 6/23. Wellness Screening Benefits Rider form number in most states is SBC-03513 WEL 2/24.
WEB-1370 2/25