Accidental Insurance
Financial protection for you and your family when unexpected accidents happen.
What You Need to Know
Accidents can happen to anyone, at any time. Accidental insurance provides a financial safety net when you or a family member is injured in an accident. These plans pay cash benefits directly to you for covered accidental injuries, helping offset medical costs, lost income, and other expenses that arise from unexpected accidents.
Why It Matters
- Cash benefits paid directly to you for covered injuries
- Coverage for fractures, dislocations, and lacerations
- Emergency room and urgent care visit benefits
- Ambulance and transportation benefits
- Physical therapy and follow-up care coverage
- Accidental death and dismemberment benefits
- Coverage for sports and recreational activities
- Affordable premiums for individuals and families
Coverage Details
Injury Benefits
Accidental insurance pays scheduled benefits for specific injuries including fractures, dislocations, burns, lacerations, and concussions. Benefit amounts vary based on the severity and type of injury, providing meaningful financial support when you need it most.
Emergency & Medical Care Benefits
Accident plans provide benefits for emergency room visits, urgent care visits, ambulance transportation, and follow-up medical care. These benefits help cover the out-of-pocket costs associated with treating accidental injuries.
Accidental Death & Dismemberment
In the event of a fatal accident or serious injury resulting in loss of limb or sight, accidental death and dismemberment (AD&D) coverage provides a lump-sum benefit to you or your beneficiaries, providing critical financial support during a devastating time.
Wellness & Rehabilitation Benefits
Recovery from an accident often requires physical therapy, chiropractic care, and rehabilitation services. Many accident plans include benefits for these services, helping you recover fully without worrying about the cost of ongoing treatment.
Ready to Get Covered?
Reach out to Nirva today for a free, no-obligation consultation and find the right plan for you.