We know how puzzling accident insurance can be. Essential Benefits makes it easy.

Accident Insurance

Accident Insurance and Critical Injury Insurance


Critical Injury Insurance


Critical Injury insurance pays a lump sum benefit to the insured person upon suffering an initial diagnosis of a list of medical conditions. These include heart attack, stroke, cancer, advanced Alzheimer's Disease, or a major organ failure. Partial benefits are paid for coronary bypass surgery and angioplasty.

Determine a lump sum benefit amount that suits your family’s income needs. Pick a smaller amount to offset your medical out of pocket expenses or a more significant amount if you may need income replacement. Use your benefits to hire domestic help or childcare, to pay for necessary home modifications or for whatever you see fit. Benefits are paid directly to you, not to your health insurance carrier or medical provider.

Accident Insurance


Accident Insurance is there to lessen the financial burden of life’s everyday mishaps. Whether you throw out your back gardening or your child skateboards his way into the ER, a supplemental Accident Insurance policy can annually reimburse you up to $15,000 of your out of pocket medical expenses.

  • Benefits are paid regardless of whether you have health insurance or not.
  • Benefits are paid directly to you – not to your doctor, the ER or the urgent care center you visit.
  • Receive reimbursements for the following types of services – Ambulance services, ER or urgent care center visits, out of network surcharges, surgery charges, ongoing physical therapy, diagnostic exams such as CT scans or an MRI and many more.
  • This type of insurance is guaranteed issue which means there is only a simple application to complete and no medical exam or information requests of your doctor are necessary.

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