Accident Medical Insurance

Accident medical insurance comes into play in all areas of business, sports, leisure, scholastic and travel insurance programs. As program administrator for several carriers, we are your one-stop shopping for accident medical insurance.

We also provide third-party administrator services, handling and paying accident claims. A dedicated claims staff assures the highest level of personal service.

Accident Medical Insurance Coverages

We provide accident insurance for targeted classes of business, including:

• Volunteer
• Travel
• Participant
• Student

We provide accident medical coverage for a variety of organizations, such as:

• Social services organizations
• Not-for-profits
• Clubs
• Daycare & nursery schools
• Scouting associations
• Dance studios
• Martial arts
• Health clubs
• YMCA & JCC organizations
• Other sports, leisure and business-related accident exposures

Accident Medical Insurance Limits

Most accident medical policies are written on an excess basis, with limits ranging from $10,000 to $1M. Excess and secondary insurance coverage is designed to supplement and coordinate with existing primary medical policies, providing up to 52 (or 104) weeks of benefits on an excess basis. If no primary plan is in place, this policy will act as primary coverage within the terms of the accident policy.

Standard accident insurance limits are between $5,000 and $100,000 per injury, with deductibles available from $0 to $2,500.  Sub-limits apply for physical therapy, chiropractic treatment, orthopedic devices and prescription drugs.