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 benefits 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 – ManhattanLife Accident, part of our Prestige series of policies, and our Personal Accident Indemnity Plan through our Premier series. Both deliver supplemental coverage for accidents, injuries, ambulance services, and accidental death.

ACCIDENT STATISTICS

46.5M

The number of nonfatal, preventable injuries in the U.S. in 2018 was 46.5 million. Approximately 1 in 7 of these, or 6.6 million people, sought medical attention.1

#3

Accidental injury becomes #3 cause of death for the first time in U.S. history.1

$1T

The costs of injuries the U.S. in 2018 was $1.06 trillion, with injuries in the home accounting for $320 billion and injuries in public settings accounting for $159 billion.1

MANHATTANLIFE ACCIDENT HIGHLIGHTS

Protection through ManhattanLife Accident goes beyond basic health coverage and helps cover deductibles and other services your standard health care coverage may not provide. The policy offers the flexibility to vary protection by offering four levels of coverage. There are no calendar year maximums. Coverage starts at zero with each new accident and benefits pay in addition to any coverage in place.

 

REIMBURSEMENT + INDEMNITY

Coverage that 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. It pays regardless of other coverage.

 
Don’t wait! Find out more about ManhattanLife’s Accident plan today!

 

MANHATTANLIFE ACCIDENT BENEFITS

Accident medical expense
Ground and air ambulance
Hospital confinement
Bone fracture and dislocation
First hospitalization
Accidental death and dismemberment
Common carrier
Total disability premium waiver
Portability

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

PERSONAL ACCIDENT INDEMNITY HIGHLIGHTS

The Personal Accident Indemnity Plan from ManhattanLife helps your employees pay for out-of-pocket expenses and provides benefits for many of the accidents that can happen without warning.

 

PREMIER ACCIDENT BENEFITS

Accidental death Emergency dental
Hospital admission and confinement
Lodging
Intensive care unit
Transportation
Air and ground ambulance
Surgery
Emergency room treatment

 

PREMIER ACCIDENT FEATURES

Helps pay for out-of-pocket expenses
24-hour or off-the-job only
Issues ages 18-64
Guaranteed renewable to age 70, subject to our right to change premium rates
Choose one or two units

 

Sources for statistics: 1National Safety Council; 2The Burden of Medical Debt: Results from the Kaiser Family Foundation/New York Times Medical Bills Survey, January 5, 2016