Financial protection for you and your family
The 5Star Life Insurance Company (5Star Life) Accident coverage provides cash benefits from day one for medical treatment you receive for covered accidents and injuries, regardless of what your medical insurance pays. You can also use the cash to pay for other unexpected expenses that come up after an accident, like childcare or transportation, providing you coverage that helps offset the cost of medical treatment and non-medical expenses.
This insurance covers treatment and hospitalization resulting from an accident covered by the policy your employer selects. In addition, benefits can provide coverage for broken bones, dislocations, ligament damage, transportation for treatment, health screening tests, and a host of other items.
Accidents happen
An illness or injury could keep you from earning a paycheck and potentially cause you financial pain. Think about everyday expenses such as child care, utility bills, and mortgage and car payments. 5Star Life Accident Insurance could help make your recovery a little less painful.
How coverage works
Sam breaks her leg. While her major medical coverage takes care of some of the medical costs, she also has 5Star Life Accident coverage. She can use the cash benefits for copays and deductibles, for transportation now that she can’t ride her bike to work, and hire a babysitter to watch her child while she goes to follow-up doctor visits.
Coverage features
Financial back-up
Guards against the potential financial gaps created by deductibles and co-pays.
Direct payment
Benefits are paid directly to you to help cover any unexpected expenses during recovery.
Easy to use
Payments are not reduced by or coordinated with any other policies, including major medical coverage.
Preventative care benefit
Benefit is an important part of a health maintenance program and is the best bet for early detection of significant health risks.
Preventative care benefit
This benefit pays once per year, per covered person and is paid directly to you regardless of actual out-of-pocket expenses. Covered tests include, but is not limited to:
- Routine physical exam
- Hemoglobin (A1c)
- Dental Exam
- Optometrist Exam
- Weight reduction program
- Stress test
- Bone Density Screen
- Sleep Test (Epworth Sleepiness Scale)
- Concussion Testing (Baseline)
Commonly Asked Questions About Accident Insurance
What is Accident Insurance?
Accident coverage provides cash benefits from day one for medical treatment you receive for covered accidents and injuries, regardless of what your medical insurance pays.
What is the benefit of having accident insurance?
It can help offset expenses not covered by your medical insurance, including deductibles, copayments, and out-of-pocket costs.
How are the benefits paid?
Benefits are paid directly to you or a designated medical provider, regardless of what your primary insurance covers.
Is there a preventive benefit?
Yes. This benefit is paid once per year, per covered person, and is paid directly to you regardless of actual out-of-pocket expenses. It helps cover screenings that can increase early detection and treatment options.
We're here to help
Visit the Support Center to file a claim, make a payment or change to your account, answer questions about your coverage, and more.
Product underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company). Product not available in all states. Policy #: 5SACPOL; Rider 5SACSCFR