What Does Group Accident Insurance Usually Cover?

Employees can receive benefits under a group accident insurance policy for certain types of accidents covered under the policy. Group accident insurance covers most common accidents from day-to-day life. Some injuries that this type of policy would cover include, among others:

Fractures
Concussions
Burns
Tendon and ligament tears
Dislocations
Lacerations

Benefits under a group accident insurance policy can also be used to pay for medical procedures that are needed as a result of an accident, such as:

Ambulance transport
Emergency air transport
X-rays
Hospital admission
Surgical procedures
Rehabilitation

Essentially, if an employee’s injury is suffered as a result of a covered accident, a group accident insurance policy can provide benefits to help cover expenses from the accident. The lump sum benefit can be used for medical procedures, or it can be used for anything else that other insurance policies don’t cover—like lost wages or childcare. Even if someone already has health insurance, dental insurance, car insurance, and disability insurance, an accident could still cost them more than they’re able to afford. Accident insurance can step in and help employees in their time of need.