About Accident Insurance
Treatment for a broken bone, a laceration or other accidental injury shouldn't deplete someone's bank account. But many medical plans only cover a portion of the costs. Accident Insurance pays in addition to major medical coverage that is already in place. This extra protection can help ease financial worries, so everyone can concentrate on getting better.
How Accident Insurance Works
Accident Insurance from Allstate Benefits pays cash benefits when a covered accidental injury occurs. Coverage may include benefits for ambulance services, physical therapy and more. People with this coverage submit claims after diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures based on a pre-determined schedule of benefits. The cash benefits can be used to help pay for deductibles, treatment costs, house payments or any other household expense – there are no restrictions.
Features and benefits
Wellness benefits returns up to 168% of your premium
Outpatient Physician’s Benefit Rider - Pays $50 or $100 for a Physician, Dentist, or Eye Doctor treatment outside the hospital for any cause. Payable once per day, per covered person, not to exceed 2 days per covered person, per calendar year and a maximum of 4 days per calendar year if dependents are covered.
Plan 2: $100 Per Physician Visit (Best Value)
Plan 1: $50 Per Physician Visit
Annual return on premium is calculated when employee files for the wellness outpatient physician treatment each year. See the brochure for all rates.
Cindy breaks her leg playing soccer and spends a few hours in the emergency room. The doctor orders x-rays, two follow up visits and three physical therapy sessions.
Cindy pays the $515 deductible and $3,000 in coinsurance for her major medical insurance, for a total of $3,515 in out-of-pocket expenses. Then, she files a claim through her Accident Insurance from Allstate Benefits and receives $4,880(2) in benefits. That's enough to cover her out-of-pocket expenses with enough left over to cover some of her monthly expenses.
Take the next step
Select the option below that works best for you.
Change your current Allstate Benefits or enroll for the first time with our online enrollment.
Get answers to your questions and/or complete your enrollment by phone.
Monday thru Friday (8am - 5pm)
Disclaimers and notes
* All exclusions and limitations apply to any coverage issued, including pre-existing condition limitation, if applicable.
(1) Outpatient Physician's Treatment is a rider available with GVAP2. Subject to limitations.
(2) This is an example of the total benefits that might be paid. The benefits shown are for coverage that includes 2 units of policy GVAP1 and 2 units of rider GVAPBER for most states. The benefits may vary by state and the example shown may vary from the coverage individual employers may offer. Individual experiences may also vary.