Voluntary Accident and Voluntary Hospital Products

Our affordable, easy-to-use accident and hospital products bridge the gap between an employee's needs and the payment threshold of a high deductible health plan. The financial security they can provide gives employees the peace of mind that their family is protected against the financial burdens related to unexpected accidents or hospital stays.

Product Overview

• For businesses or groups of 51 or more employees
• Coverage available in most states
• Provides employees with direct reimbursement for medical treatment and hospital stay
• Benefits can be used to pay deductible portion of medical bills or treatment-related needs
• Pays regardless of other existing plans
• Complimentary Nationwide Better Health Check (PDF) health risk assessment

Products can be purchased separately or combined:

Accident Product

• Covers medical expenses for accidental injury
• Annual benefit limit chosen by employee: $1100 to $5000
• Family benefit limit available for up to 3 times the single employee benefit limit
• Here's how it works

Hospital Product

• Pays pre-determined daily amount for in-patient hospital stay
• Maximum $500 per day for semi-private room
• Intensive Care benefits are twice the amount of semi-private benefit
• 30-day combined maximum per calendar year
• Here's how it works

Combination Accident/Hospital Product

• Covers medical expenses for accidental injury and hospital stay
• Accident coverage up to $500
• Ambulance services for accident coverage
• Hospital benefits up to $300 per day with 30 days combined in calendar year
• Here's how it works

Ready to learn more about Voluntary offerings?

• Agent Resources
• Employer Resources
• Employee Resources