Accident And Sickness Insurance

Meeting today's healthcare challenges

What Is Personal Accident And Sickness Insurance?

Nearly half of all U.S. adults have a high-deductible health insurance plan. As many as 20% can't afford necessary health care. Flexible, innovative products like personal accident and sickness insurance can protect your personal and financial health. Instead of meeting a deductible, you receive a one-time, fixed cash benefit paid directly to you if you sustain a covered illness or injury.

Accident and sickness insurance helps you bridge the gap.

At Adroit Health Group, we're here to make your healthcare decisions easier. Whether you're struggling with high premiums, don't have insurance, or just want additional peace of mind, our personal accident and sickness insurance can help. It's one of the many innovative healthcare products we offer in over 40 states.

How does accident and sickness insurance work?

Accident and sickness insurance doesn't work like traditional insurance. It doesn't have a copay or deductible. Often, your plan can start the next day after your application. There are no enrollment periods and you can cancel it at any time.

Instead, accident and sickness insurance provides a fixed, one-time cash benefit to help cover basic and minor medical expenses due to an accident or illness.

Consider this example. You break your arm. You visit the doctor and they take an X-ray. They realize you need surgery to treat the fracture. After, you need medication to deal with your acute post-op pain. Your accident and sickness insurance pays you cash directly to help cover these costs. The amount is based on pre-determined amounts for covered injuries. You can then use that cash to pay towards a high deductible, or use it for other expenses like over-the-counter braces or physical therapy.

You'll receive your cash benefits quickly. This eases the financial burden that can add up after an injury. Some of the more common injuries that people use their coverage for include:

  • Broken bones
  • Joint dislocations
  • Lacerations
  • Muscle sprains and strains
  • Eye, ear, or head injuries

Covered illnesses and injuries, benefits amounts, and more all depend on the level of coverage you elect. It will also depend on your location.

Our Member Representatives are available Monday through Friday, 7 AM to 6 PM (Central). They're ready to answer any of your questions about accident and sickness insurance.

Feel free to give Adroit Health Group a call at 1 (800) 269-3563 or send us an email to learn more today.

What Is Covered By Accident And Sickness Insurance?

Accident and sickness insurance provides fixed cash benefits for covered injuries or illnesses. Since it's a cash benefit, you can use the money to cover a variety of expenses.

These may include healthcare costs related to:

  • Hospital, emergency room, specialist, or urgent care visits
  • Surgeries or outpatient procedures
  • Diagnostic tests, like X-rays
  • Medical devices, like splints or crutches
  • Medications needed for the accident
  • Physical therapy or rehabilitation sessions

Your coverage is flexible, though. It goes beyond the standard healthcare costs that medical insurance typically covers. You can also use your benefits to pay for:

  • Over-the-counter medications, braces, or bandages
  • Additional transportation costs
  • Rent or mortgage payments (especially if you're out of work)
  • Living expenses, like utilities and groceries
  • Child care costs
  • Student loan payments
  • Car payments
  • Other monthly payments

Note that this type of insurance usually doesn't cover dental injuries, self-inflicted injuries, or those due to prior illnesses or pre-existing conditions. Some plans also have age limits.

What is classified as a critical illness?

Critical illness coverage varies depending on your state and policy. Always fully review your benefits information to learn more about what's covered.

Your plan may pay out fixed cash benefits if you suffer from any of the following illnesses:

  • Heart attack
  • Cancer
  • Stroke
  • Blindness
  • Deafness
  • Major organ failure
  • Loss of limbs
  • Severe burns
  • Paralysis

You can also elect for a family member to receive the benefit in the case of accidental death.

Accident and sickness insurance vs. traditional insurance 

An accident and sickness plan is meant to complement traditional insurance. It doesn't provide the same broad coverage that traditional insurance does. Instead, it focuses on providing a one-time fixed cash benefit if you suffer from a covered injury or illness.

Because of this, these plans are not ACA-compliant. If you have no other major medical coverage, you may need to pay tax penalties.

Do I Need Accident And Critical Illness Insurance?

This answer will depend your unique circumstances, your family's health risks, and your financial health.

Still not sure if you need accident and sickness insurance? Consider these questions.

  • Are you or your family at greater risk for accidents, illnesses, or injuries?
  • How much money do you have in savings?
  • Do you already have insurance?
  • How much is your current insurance deductible?
  • Do you travel frequently out of your insurance network?
  • How many people depend on your income?
  • Could your family cover the costs of an unexpected accident?
  • Do you have accident-prone teens or kids?
  • Does anyone in your family engage in high-impact sports or recreational activities?

Beyond these questions, some populations who may benefit the most from this coverage include the following.


Today is all about the gig economy. Many professionals are increasingly leaving (or being pushed out of) traditional long-term jobs into freelance roles. Instead of relying on a steady job, you may  work for hours with a ride-sharing app, another few hours for creative freelance projects, and another few at a retail store. The best estimates place up to 11% of the working adult population in the U.S. as a full-time independent contractor.

Traditional health insurance isn't keeping up with these changes in the way we work. Modern, innovative solutions can help.

For those who are self-employed, accident and sickness insurance can be an affordable way to get a baseline level of health coverage. Unlike traditional insurance, it covers accidents and sicknesses. Coverage for these conditions is often more relevant to younger freelancers or those who are generally in good health.

Life transitions

Life is change. Whether you just graduated from college, retired, or went through a divorce, these life changes can often lead to changes in your insurance too.

If you're struggling to find traditional health insurance coverage during these times of transition, a fixed, affordable option like accident and sickness insurance can help.

It provides peace of mind. It helps you recover financially more quickly if an accident does occur. And, it's flexible. You pay a monthly affordable rate and cancel when you need to.


Finally, many people with traditional health insurance simply don't have the same protection they used to. High-deductible plans (HDHPs) are defined by the IRS as those over $2,700 annually for a family.

Their use has skyrocketed in the last decade. In 2007, 14.8% of adults had a high-deductible plan. By 2017, that number rose to 43.4%.

Nearly half (or more) of all families need to cover a large cost upfront if an accident or illness occurs. New plans like accident and sickness insurance coverage help. You can use your fixed cash benefit to pay for expenses before you meet your deductible.

Healthcare Designed For You

When it comes to individual health insurance products, we believe in providing you with options. Each person is unique and facing their own health or budget challenges. Because of this many of our products at Adroit Health Group are similar, but offer different types of coverage.

Disability insurance, for example, helps you with costs after a disability or long-term illness. Instead of cash benefits, it replaces a portion of your original salary. Heart attack, stroke, and cancer insurance provides coverage if you know you're at a higher risk for a major medical condition.

Beyond these types of insurance, we also offer options like:

We also provide complementary health solutions, like diagnostic blood testing and discount prescription medicine programs.

Accident and sickness insurance is one of our best-selling plans because it helps so many people, in so many different situations. You may not have an increased risk for heart disease, but your weekend warrior bike rides could lead to accidents.

Personal accident and sickness insurance gives you just a bit more peace of mind. You continue doing the things you love to do. Our insurance options are here to protect your personal and financial health.

Learn more

At Adroit Health Group, we price our plans at affordable rates for today's families.

If you're ready to learn more about your insurance options, give us a call today at 1 (800) 269-3563 or send us an email. Our Member Representatives are available by phone Monday through Friday, 7 AM to 6PM (Central).

Whether you're self-employed, under-insured, or going through a life transition, we can help. Our innovative insurance products help today's families navigate their healthcare needs. We can find a solution that works best for you.