Accident Coverage

Voluntary Accident Coverage

Offering protection beyond basic health coverage, workplace voluntary accident benefits provides supplemental on or off-the-job coverage.

The value of Accident Coverage

Accident benefits may help cover deductibles and other services standard healthcare coverage may not provide. Some voluntary accident benefits can be both a reimbursement and an indemnity insurance policy—expense reimbursements are paid for actual charges or up to the maximum amount stipulated in the plan.

Plan benefit options

Embedded benefits of accident coverage may include:

  • Accident medical expense
  • Ambulance benefit
  • Hospital confinement
  • Accidental death and dismemberment (AD&D)

Optional benefits and riders include accident total disability, hospital intensive care, bone fracture and dislocation, and coverage for spouse and children.

Why choose Humana Voluntary Benefits?

Our voluntary benefits give you a convenient and economical way to diversify your benefits package, helping you attract top talent and keep existing employees. The application has just a few health questions. And we strive to provide friendly, professional service to members and employers. We have more than four decades of experience helping employers develop competitive benefits packages. And in our 2008 member satisfaction survey, 99 percent of Customer Service calls were resolved to the member's satisfaction within 24 hours.

Offer Humana Voluntary Benefits to your employees

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Employee Assistance Program to help make a connection between quality of life and well being at work

Pump up productivity with EAPs

Help your clients connect quality of life and well-being at work.

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Get the guide

Get the guide to benefits administration

Find in-depth information about implementation, administration, and claims.

Download the Employer Reference Guide
reference materials

Learning tools

Learning about voluntary benefits is easy with the Virtual Guidance tool.

Virtual Guidance Tool (link opens in new window)