Accident Insurance

Coverage for accidents, injuries and more.

 

Help protect employees and their families.

Accident insurance from ManhattanLife is a simple way to provide employees added protection to meet their individual needs, without increasing benefit costs to the employer. It is designed to complement existing medical coverage and help narrow gaps caused by out-of-pocket expenses such as deductibles, co-payments and non-covered medical services.

ManhattanLife offers two different accident insurance policies. Both policies deliver supplemental coverage for accidents, injuries, ambulance services and accidental death.

 

ACCIDENT STATISTICS

62M

In 2023, 62 million people sought medical attention for a nonfatal, preventable injury.1

154%

Preventable injury-related deaths have increased 154% from 1992 to 2023.1

$478.1B

The cost of unintentional injuries at home were $478.1 billion in 2023.2

Accident Indemnity Plus

Accident Indemnity Plus categorizes all benefits and features into specific and separate indemnity amounts. Indemnity amounts are based on the selected schedule. Indemnity amounts are stackable and benefit payments are based on a total of combined services.
 

FEATURED BENEFITS

Hospitalization
Emergency Treatment and Urgent Care
Specialty/Physician Office Visits
Therapy and Rehabilitation
Accidental Death and Dismemberment
Transportation and Lodging

 

Accident Reimbursement Plus

Accident Reimbursement Plus coverage is a combination of both reimbursement and indemnity insurance - expense reimbursements paid are for actual charges or up to the maximum amount stipulated per selection. Each individual benefit is stackable.
 

FEATURED BENEFITS

Hospitalization
Emergency Treatment and Urgent Care
Specialty/Physician Office Visits
Accidental Death and Dismemberment
Transportation and Lodging

 

ACCIDENT STATISTICS

7.8M

There were over 7.8 million sports and recreational injuries from 2013 to 2018 that resulted in emergency room visits.1

$320.1M

Preventable injuries in the home in 2018 accounted for $320.1 million in total economic costs. Similar injuries in public settings accounted for an additional $159 million during the same period.1

56%

Of the households facing medical bill problems in the U.S., 56% report being late on a non-medical bill payment and 46% have missed a payment for non-medical expenses.2

All plans contain additional benefits. Please contact us at VBSales@manhattanlife.com to learn more.

 

Sources for statistics:
1https://injuryfacts.nsc.org/all-injuries/overview/;
2https://injuryfacts.nsc.org/all-injuries/costs/societal-costs/