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Accident Insurance

Accidents can happen to anyone, at any time. Unum Accident Insurance can help you pay for expenses not covered by your medical insurance. It’s a convenient benefit that can give you and your family a little extra peace of mind, so make sure to enroll when it’s offered at work.

You can’t always avoid accidents— but you can be prepared

Even with good insurance, injuries can set your finances back in a big way. And when you’re hurt, the last thing you want to worry about is out-of-pocket expenses you’re not prepared to pay.

Accident Insurance can help, by paying benefits directly to you if you get treatment for a covered accident. That way, your injury doesn’t have to derail your financial security.

How Accident Insurance works

If you or covered family members are injured in a covered accident, Accident Insurance provides you a lump-sum amount to help take care of unexpected costs and protect your finances. Here’s how it works:

  • A set amount is payable directly to you, based on the type of injury you or a covered family member has, the treatment needed and the coverage you elected.
  • You can use the payment as you see fit — to help pay for doctor visits, ambulance fees, hospital bills and other out-of-pocket expenses your health insurance doesn’t cover.
  • To help promote a healthy lifestyle, plans may also pay a benefit when you get a covered health screening test.

You can file claims online and easily track the status of your claim.

Accident benefits member and family imagery

Commonly asked questions about Unum Accident Insurance

Have questions?

Find out more about Accident Insurance.


Insureds in some states must be covered by comprehensive health insurance before applying for Accident Insurance.

The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations that may affect any benefits payable.

Accident insurance is underwritten by: Unum Life Insurance Company of America, Portland, ME, Unum Insurance Company, Portland, ME, Provident Life and Casualty Insurance Company, Chattanooga, TN, and First Unum Life Insurance Company, Garden City, NY.

The base policies provide ACCIDENT insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.


Policy forms marketed by the company vary by product and are too numerous to list in this advertisement, but a list can be provided upon request.