Accident insurance
Accident insurance does not cover every type of injury, but it provides significant support for common accidental injuries like fractures, dislocations and burns, as well as accidental death and dismemberment. Here’s how it works:
With accident insurance from Equitable, you help protect yourself and your family from the financial strain that can accompany unforeseen incidents.
Group accident insurance can be purchased through your employer and this coverage provides cash benefits for unexpected injuries resulting from a covered accident. Our plan covers many types of injuries, treatments and services.
If your group accident policy includes a wellness benefit, insureds are eligible to annually receive a benefit amount (default is $50) when they undergo any eligible exam or screening from the covered list.
Accident insurance helps cover unexpected expenses related to an accidental injury, which can be costly. Accident insurance can help protect against unexpected costs that are not typically covered under a medical plan, such as deductibles, copays or out-of-network costs.
Yes. No medical evidence is required for Equitable's group accident insurance.
No. Once you are enrolled and your benefits are effective, there are no waiting periods before benefits can be accessed.
All benefits for Equitable's group accident insurance are paid directly to you. You can use the payment as you see fit - to cover costs such as out-of-pocket medical expenses, groceries, childcare, or transportation costs.
Yes. Equitable's group accident insurance is portable, which means you can take your policy with you. The coverage and rates will remain the same.
Yes. We have two claim forms: one for an accident claim and a short form for the wellness benefit (if included in your plan). The forms are designed to be easy to complete and submit to our claims department. Our average turnaround time for claims is 5 days.
The plan does not provide payment for injuries or accidents that aren’t part of the covered list. Additionally, the policy has exclusions that may affect benefits payable.
Click here for full exclusions and limitations.
1 Bankrate’s 2025 Annual Emergency Savings Report (Published June 2024).
Availability of this product is subject to state approvals.
This policy provides limited benefits. This coverage does not constitute comprehensive health insurance coverage (often referred to as major medical coverage), and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. This policy is not a Medicare supplement plan.
The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative.
Plan documents are the final arbiter of coverage. Policy form MOEBP19 ACC; AXEBP19 ACC and state variations.
NEW MEXICO BROKERS, EMPLOYERS AND RESIDENTS: This advertisement is not currently directed to, applicable to or intended for any person residing in New Mexico.
All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and are backed solely by their claims-paying obligations. Some products are not available in all states.
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