GET PERSONAL ACCIDENT INSURANCE ONLINE
Additional financial protection when an unexpected accident happens.
An accident can happen in an instant. Personal Accident Insurance can provide supplemental benefits for eligible accidental injuries and covered expenses, helping you prepare for costs that may go beyond what your primary health insurance covers.
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With JRF Services, you can explore available coverage online or speak with a licensed insurance agent before you decide
Prefer personal assistance? Speak with a licensed insurance agent about available Personal Accident Insurance options.
WHAT IS PERSONAL ACCIDENT INSURANCE?
Personal Accident Insurance is supplemental coverage designed to provide benefits for eligible accidental injuries and covered accident-related expenses.
Your primary health insurance is designed to cover healthcare services according to the terms of your health plan. Personal Accident Insurance can provide an additional layer of financial protection when a covered accident occurs.
Depending on the plan, benefits may help with certain accident-related expenses such as emergency treatment, hospital care, ambulance services, medical expenses and other covered services.
Coverage, benefits, limitations and exclusions vary by plan.
WHEN AN ACCIDENT HAPPENS, THE COSTS CAN ADD UP
An unexpected accident doesn't always end when you leave the emergency room.
Medical treatment, transportation, follow-up care and other expenses can create additional financial pressure. Personal Accident Insurance can provide supplemental benefits for eligible covered accidents, helping you prepare for the unexpected.
ACCIDENTAL INJURIES
Additional financial protection for eligible covered accidental injuries.
EMERGENCY
CARE
Depending on the plan, benefits may be available for certain emergency and accident-related services.
HOSPITAL
CARE
Some plans provide benefits associated with covered hospital treatment or confinement.
ADDITIONAL FINANCIAL SUPPORT
Supplemental benefits may help you manage expenses that arise following a covered accident.
YOUR HEALTH INSURANCE DOESN'T HAVE TO BE YOUR ONLY LAYER OF PROTECTION
Personal Accident Insurance is designed to supplement—not replace—your primary health insurance.
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Your health insurance helps cover eligible healthcare services according to your plan.
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Personal Accident Insurance can provide additional benefits when you experience a covered accident.
YOUR HEALTH INSURANCE
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Provides primary medical coverage
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Covers eligible healthcare services
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Subject to the plan's deductible, copays and coinsurance
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Designed for ongoing healthcare needs
PERSONAL ACCIDENT INSURANCE
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​Provides supplemental accident benefits
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Focuses on eligible covered accidents
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Benefits depend on the specific accident policy
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Designed to provide additional protection after covered accidents
The two types of coverage can work together.
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Personal Accident Insurance may provide another layer of financial protection when an unexpected accident occurs.
WHAT CAN PERSONAL ACCIDENT INSURANCE HELP COVER?
Benefits vary by plan, but available Personal Accident Insurance may provide benefits for eligible services and injuries associated with covered accidents.
Examples may include:
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Emergency treatment
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Ambulance services
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Hospital admission
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Hospital confinement
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Emergency room treatment
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Medical expenses
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Diagnostic services
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X-rays
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Surgery
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Certain accidental injuries
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Accidental death
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Accidental dismemberment
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Other covered accident-related expenses
Benefits are subject to the terms, conditions, limitations and exclusions of the specific policy.
ADDITIONAL PROTECTION FOR LIFE'S UNEXPECTED MOMENTS
Personal Accident Insurance may be worth considering if you want another layer of financial protection against eligible accidental injuries.
INDIVIDUALS
Additional protection for yourself when an unexpected accident occurs.
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FAMILIES
Help provide an additional financial safety net for covered accidents affecting you or eligible family members.
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ACTIVE ADULTS
If you regularly participate in physical activities, sports or other activities where accidents can happen, supplemental accident coverage may be worth considering.
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HIGH-DEDUCTIBLE HEALTH PLAN MEMBERS
If you have significant out-of-pocket exposure under your health plan, supplemental accident benefits may provide another layer of financial protection.
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SELF-EMPLOYED INDIVIDUALS
An unexpected injury can create both medical expenses and financial disruption. Supplemental protection may help you prepare for covered accident-related costs.
HOW DOES PERSONAL ACCIDENT INSURANCE WORK?
Getting started can be simple.
STEP 1
EXPLORE YOUR OPTIONS
Review available Personal Accident Insurance plans and determine what type of supplemental protection you're looking for.
STEP 2
REVIEW THE COVERAGE
Look at the benefits, premiums, eligibility requirements, limitations and exclusions associated with the available plan.
STEP 3
APPLY ONLINE
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If you find an option that fits your needs, you can begin the application process online.
STEP 4
GET HELP IF YOU NEED IT
Prefer to speak with someone first?
Schedule a call with a licensed insurance agent who can help you understand your available options.
EXPLORE PERSONAL ACCIDENT INSURANCE OPTIONS
Different Personal Accident Insurance plans can provide different types and levels of supplemental protection.
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Review the available options below to learn more about the coverage, benefits and features of each plan.
HIGHLIGHTED FEATURES
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Issue Ages 18-84
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2 options: 24-hr, or Off-the-job coverage
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Wellness Rider
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Guarantee Renewable for Life
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Choice of One or Two Units
BENEFITS MAY INCLUDE
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Accidental Death
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Emergency Dental
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Hospital Admission & Confinement
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ER / ICU Treatment
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Concussion
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Chiropractic
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Air & Ground Ambulance
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Lodging & Transportation
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Surgery
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X-Rays
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Other covered benefits
YOUR COVERAGE. YOUR CHOICE. YOUR WAY.
At JRF Services, we believe getting insurance shouldn't be complicated.
You can explore Personal Accident Insurance online from the convenience of home, or you can speak with a licensed insurance agent if you'd rather have someone walk you through your options.
SHOP
ONLINE
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Start the process online when it's convenient for you.
GET PERSONAL HELP
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Speak with a licensed insurance agent when you have questions.
UNDERSTAND YOUR OPTIONS
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Review available coverage, benefits and plan details before making a decision.
CHOOSE HOW YOU BUY
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Purchase online or get assistance by phone.
PERSONAL ACCIDENT INSURANCE FAQ
What is Personal Accident Insurance?
Personal Accident Insurance is supplemental coverage that may provide benefits for eligible accidental injuries and covered accident-related expenses.
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Is Personal Accident Insurance the same as health insurance?
No. Personal Accident Insurance is supplemental coverage designed to provide additional benefits for covered accidents. It does not replace comprehensive health insurance.
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Can Personal Accident Insurance work with my health insurance?
Yes. It is designed as supplemental coverage that can work alongside your existing health insurance.
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What does Personal Accident Insurance cover?
Coverage varies by plan. Depending on the policy, benefits may be available for certain accident-related medical expenses, emergency treatment, hospital care, ambulance services and other covered events.
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Does it cover every accident?
No. Benefits are subject to the specific policy's terms, conditions, limitations and exclusions.
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Can I purchase Personal Accident Insurance online?
Yes. Available plans can be explored and purchased online when online enrollment is available.
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Can I speak with a licensed insurance agent?
Yes. You can schedule a call with a licensed insurance agent to discuss available options before applying.
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How do I get started?
You can start by getting a quote online or scheduling a call with a licensed insurance agent.