Individual Accident Insurance

 

Accident Insurance for Individuals & Families

Protecting those you go home to. Providing peace of mind for you and your family.

 

Boston Mutual’s accident insurance is built to help protect you and your family from the unexpected.

When a covered accident occurs, such as a broken bone or concussion, health insurance plans often cover most major expenses, but you could still be left with out-of-pocket costs, such as co-payments, deductibles, transportation and lodging.

Boston Mutual’s accident policy includes an accidental death & dismemberment benefit.

BENEFITS INLCUDE:

  • Ambulance rides
  • Emergency room visits
  • Concussions
  • Fractures/Dislocations
  • Physical therapy
  • Emergency dental work . . .and much more!

 

CATASTROPHIC ACCIDENT:

  • Boston Mutual can help with catastrophic injuries by providing a benefit for the life altering-loss that can result from a covered accident.

 

ELIGIBILTY:

  • To be eligible you must be 18-70 years old and working a minimum of 20 hours a week.
  • Children under the age of 26 are eligible regardless of marital or dependency status.

 

PREMIUMS:

  • The cost of this product is less than $.75 per day for an employee and less than $2.00 a day for a family plan.
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Employee Accident Option Plus policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series WS -ACC 8/08, subject to state availability. This is a limited benefit policy and it does NOT provide basic hospital, basic medical, or major medical insurance. This information is not intended to be a complete description of the insurance coverage available. Product offerings may vary depending on state laws and regulations. Policies have exclusions and limitations which may affect any benefits payable. Benefits payable are subject to all terms and conditions of the Policy. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual Life Insurance representative.

 

Individual Accident Insurance FAQs

What does individual accident insurance cover?

Individual accident insurance is meant to cover the out-of-pocket expenses that occur after an unexpected injury but are not covered by health insurance. For example, if a policyholder falls and breaks their hip, their health insurance policy can cover routine surgeries and other standard healthcare practices. However, if they need to be taken to the hospital via ambulance and the transportation cost is not included in the health insurance policy, accident insurance could be used to cover the cost.

Is individual accident insurance worth it?

Each day, many Americans commute to work, operate machinery or lift things at their job, then head to their kids’ sports practices or participate in other physical activities. According to the National Safety Council’s Injury Facts, in 2023, 62 million Americans had to get medical attention for an injury.

Accidents happen every day, so it is worth being proactive and having a plan for you and your loved ones when these things pop up. Boston Mutual Life Insurance’s accident insurance can offer you financial peace of mind, so you can focus on feeling better and getting you and your family healthy again.

Get Started with Accident Insurance Today!

Learn more about accident coverage or speak to a representative to find out how you can get started today.

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