Voluntary Benefits
What if I'm hurt in an accident?
Optional cash paid to you after a covered accident, in addition to your medical coverage.
Accident Insurance Basics
- Supplemental coverage for covered accidents.
- Benefits are paid directly to you.
- Helps with eligible treatment and recovery expenses.
- See the benefit schedule for payment amounts and limits.
Watch the video
Benefit Basics: Accident Insurance (English)Accident insurance · Voya
Pays you for covered injuries. Spend it on anything: deductibles, childcare, groceries.
At a glance
Coverage
Supplemental limited-benefit insurance
Enrollment
Guaranteed issue
Payment
Paid directly to you for a covered accident
What it does
Pays benefits for specified injuries and events resulting from a covered accident on or after the effective date. You choose how to spend the benefit.
Examples from the accident benefit schedule
Emergency room treatment
$225
Physical or occupational therapy
$45 per treatment, up to six per accident
Hospital confinement
$275 per day, up to 365 days
Review or ask about a claim
- 1
Review the covered-event definitions and effective date in the policy.
- 2
Contact Voya for accidental injury, critical illness and hospital indemnity: 877-236-7564.
- 3
Confirm the election and claims process with the provider or HR.
Before you decide
This is a limited benefit policy, not health insurance. It does not satisfy the Affordable Care Act minimum-essential-coverage requirement.
Next step
Review covered events, effective dates and cost before purchasing.
