Critical Illness

Accident Coverage Overview

Offering protection beyond basic health coverage, employee-paid accident coverage provides supplemental on- or off-the-job coverage. Benefits are paid regardless of other coverage, including primary health insurance, that's in force.


How accident coverage works

Some employee-paid accident products can be both a reimbursement and an indemnity policy — expense reimbursements are paid for actual charges or up to the maximum amount stipulated in the plan.

Benefit options may include:

  • Humana Accident pays for actual charges related to an accident in one lump sum, up to the policy maximum. Plus, there are no calendar year maximums, and it complements high deductible health plans
  • Humana Accident Plus offers off-the-job coverage for accidental injuries, hospital care, and accidental death benefits; pays for actual charges up to the policy maximum


Plan tools

If you have employee-paid accident coverage from Humana, take advantage of these resources.

Access your benefit information online

Sign in at the website for KMG America, a Humana company: Member sign in
If you have questions, or if you have trouble signing in to the secure website, call our Customer Care specialists toll-free: 1-877-378-1505 Monday – Friday, 8 a.m. – 5:30 p.m., Eastern time

Service and claims forms

Commonly used forms

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