Accident Insurance

Major injuries are painful. But the financial impact of the medical treatment doesn’t have to be.

Reliance Standard Group Accident Insurance pays benefits directly to you, unless otherwise assigned, if you suffer a covered injury such as a fracture, burn, ligament damage, or concussion. Benefits are paid even if you have other coverage.


The benefit amount is calculated based on the type of injury, its severity, and the medical services required in treatment and recovery. The plan covers a wide variety of injuries and accident-related expenses.


The benefits payable also increase by 50% if you receive treatment at a Broward Health facility. 

Examples of Covered Injuries & Expenses

  • Injury Treatment (fractures, dislocations, concussions, burns, lacerations, etc.)
  • Hospitalization
  • Physical Therapy
  • Emergency Treatment/Urgent Care
  • Transportation

Plan Features

  • Guaranteed Acceptance: There are no health questions or physical exams required.
  • Family Coverage: You can elect to cover your spouse and children.
  • Portable Coverage: You can take your policy with you if you change jobs or retire (with certain stipulations).
  • Organized Youth Sports Rider (covers dependents under age 19): The benefits payable are increased by 25% if a covered dependent under age 19 is injured while playing an organized sport.
  • Wellness Benefit: The plan pays a $75 benefit for one covered health screening test per covered member, up to a maximum of four benefits per family per year. Covered health screening tests include diagnostic procedures, routine exams, immunizations, COVID-19 tests, and more.


For information about costs and claims, please call 1-800-866-2301 or visit www.reliancestandard.com.

HOW ACCIDENT INSURANCE WORKS

Sam’s son trips while playing in a youth basketball league. He gets a concussion and chips a tooth which require a trip to the emergency room and physician follow-up visits. He seeks treatment at Broward facilities.


Fortunately, Sam has family coverage in Reliance Standard Group Accident Insurance. This helps cover the out-of-pocket costs associated with his son’s accident, including medical bills, copays, and deductibles. 


HOW SAM’S ACCIDENT BENEFIT WAS CALCULATED: 


Medical Service / Sample Benefit 

  • Emergency Treatment = $200 
  • Concussion Benefit = $350 
  • Crown to Repair Broken Tooth = $150 
  • Physician Follow-Up Visits (3) = $300 ($100 per visit) 
  • Organized Youth Sports Rider Benefit = $250 (additional 25%) 
  • Broward Health Facility Benefit = $500 (additional 50%)


TOTAL SAMPLE BENEFIT = $1,750


This scenario does not reflect the benefits of a specific Accident Insurance plan schedule. The benefits are generic benefits for the purposes of this example to show how the benefit total of an Accident Insurance plan is calculated. The plan offered to you may provide different benefit amounts and may not cover all services. See the plan details for the benefit schedule for the plan offered to you.