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Insured by Loyal American Life Insurance Company

Accident Treatment Insurance

An accident treatment insurance policy can help protect you from the high cost of medical care when a covered accident happens. Available for around $15/month.1

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Product Details

There’s no getting around it: accidents happen. Having an Accident Treatment Insurance policy can help protect you from the high costs of medical care by paying you a fixed indemnity benefit. How can an Accident Treatment Insurance policy help you?

  • Benefits for a range of accidental injuries, treatments, and related costs.
  • Your policy can be tailored to your needs and budget.
  • Benefits are paid directly to you (or anyone you assign) and there are no restrictions on how you use it. Use the cash to help pay:
    • Deductibles, coinsurance, copays (no network restrictions)
    • Related medical expenses
    • Household expenses like rent or mortgage, groceries, childcare, housekeeper, etc.
  • Coverage continues after your first accident, so you’re covered for future accidents.
  • Includes coverage for you, your spouse, and/or your dependent(s).
  • Policy is guaranteed renewable to age 80.2
  • Available for ages 18-74.

Customize your policy 

We can also help you customize your supplemental coverage to fit your needs. Riders offer coverage for specific situations and can be added for an additional monthly amount.3 Consider adding one or more of the following riders for even more coverage (these summaries contain highlights only and are subject to change):

Lump Sum Cancer Rider

A cancer diagnosis can happen at any time. Cancer coverage can help pay for the extra costs associated with treatment. With our lump sum cancer rider, if you're diagnosed with cancer4, you get 100% of your chosen benefit amount, from $5,000-$100,000*. You can use this money however you’d like.

Lump Sum Heart Attack and Stroke Rider

A heart attack, stroke, or other heart-related surgery can be costly. With our Lump Sum Heart Attack and Stroke Rider, you get a percentage of your chosen benefit amount–from $5,000-$100,000*– if you get a diagnosis5 or procedure for one of the qualifying events. 

Hospital Indemnity Benefit Rider

With our Hospital Indemnity Benefit Rider, you can get extra benefits if you:

  • Get sick and need hospital care
  • Have complications of pregnancy
  • Get hurt and need a hospital stay

This rider will pay the chosen benefit amount. It ranges from $100-$1,000* for each day (at least 24 hours) that you are confined6 in a hospital.7

Intensive Care Unit Indemnity Benefit Rider

A stay in the intensive care unit can be stressful, but this rider provides a cash benefit amount if your stay is the result of: 

  • An injury
  • A sickness
  • A complication of pregnancy

Benefit amounts range from $100-$1,000* for each day (at least 24 hours) that you are confined6 in the ICU as an inpatient.

Hospital and Intensive Care Unit Indemnity Benefit Rider

Get the benefits of both the Hospital Indemnity Benefit Rider and the ICU Indemnity Benefit Rider combined. We'll pay the chosen benefit amount, from $100-$1,000*, for each day you are confinedin a hospital7 as an inpatientand double if confined6 in the ICU as an inpatient.

Return of Premium Rider

Our Return of Premium Rider can give you some peace of mind if your policy is unused at the time of your death. Your loved ones could get 100% of all premiums paid (policy and riders) from the rider effective date, less any claims paid. The policy must be paid up and in force at the time of death.

Kaitlyn's Story 

Kaitlyn lives an active lifestyle–her weekend adventures could potentially bring injuries. She knew people who had big hospital bills for accidents and injuries. So she planned ahead and kept an Accident Treatment policy, just in case. For around $15 dollars a month, she worried less when out hiking, skiing, and biking.

One day out mountain biking with friends, she crashed into a tree. An ambulance took her to the hospital where she stayed overnight. She was released the next day on crutches with lots of bruises and a cast on her leg. She would have multiple follow-up visits to a specialist and physical therapy. Fortunately, her Accident Treatment policy paid her a cash benefit, which helped pay her hospital bill as well as monthly bills while she was out of work and recovering.

(This is an example used for illustrative purposes only.)

State Specific Details

Learn more about the benefits included in the Accident Treatment Insurance policy by selecting the state where you live:

Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachsetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Washington West Virginia Wisconsin Wyoming View Brochure [PDF]

Often bought together

Cancer Treatment Insurance Dental 1000 Medicare Supplement Plan G

Continue shopping for your own coverage

Dental Coverage

Medicare Supplement Insurance

Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the individual rate for a 40 year old in Alabama with the Basic plan option, Class 2. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit option you select. Rates are subject to change.

2 Policy cannot be canceled as long as you pay your premium when due. Subject to the company’s right to raise premiums on a class basis.

There will be a charge for each rider selected. Riders are not available in all states.

4 The term diagnosed with cancer specifically excludes any illness that is not defined as cancer or carcinoma in situ. Review your plan documents for details.

Excludes diagnosis received outside the United States or its territories, unless otherwise specified in the rider.

6 Under the direction of and under the supervision of a physician.

7 The term “hospital” does not include a clinic or facility, including a skilled nursing facility or an urgent care center, or a unit of a hospital for: Rehabilitation, convalescent care, custodial care, educational or nursing care for the aged, care for chemical dependence or alcohol dependence, or used exclusively for the treatment of mental and nervous disorders.

* Benefit amounts, issue ages and rates vary by state; please contact your broker or Cigna representative for details.

THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. THE LUMP SUM CANCER AND CANCER TREATMENT POLICIES ARE CANCER ONLY POLICIES.

This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage.

This is a solicitation for insurance. An insurance agent/producer may contact you. Product availability varies by state. These policies contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent/producer or the company. Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke, and Hospital Indemnity Policies are insured by Loyal American Life Insurance Company.

Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.

Lump Sum Cancer policy is not available in: ID, NY, VA or WY.

Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.

Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.

Whole Life policy is not available in: FL or NY.

Accident Treatment policy is not available in: ID, NH, NY, or VA.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Loyal American Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

This page is not intended for residents of Idaho, New Mexico, and Oregon.

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