Accidents can happen to anyone, at any time, leaving you to cover costs for things like x-rays, ambulances, co-pays, and deductibles, not to mention the non-medical expenses that can add up after an accident.
Accident insurance, issued by The Prudential Insurance Company of America, pays benefits for covered accidents that require medical care. It offers an additional layer of insurance protection to help cover medical and non-medical expenses that accompany an accident.
- provides cash benefits for covered injuries
- can help cover out-of-pocket expenses like co-pays and deductibles
- pays you directly, so you decide how benefits are spent
- is guaranteed—there are no medical questions or exams
Accident insurance is designed to be used with—but not as a replacement for—your major medical insurance. You must have ACA-compliant health insurance to enroll.
Frequently Asked Questions
Why Accident Insurance?
Accident Insurance is for people who already have Health insurance, especially those with high deductible plans. And, it’s especially valuable for families with children, who are more often prone to accidents.
What is covered?
Accident Insurance pays cash benefits to use as you wish. Benefits are payable for covered injuries and also for services like ambulance, emergency care, hospital admission and stays, diagnostic exams, therapy services, pain management, medical appliances, prosthetic devices, and more. For more details and examples, read the Accident Plan Highlights and How This Plan Works.
Who is eligible?
Accident Insurance is guaranteed issue, meaning there are no medical questions or physical exams required. You must be under age 65 when you enroll, and dependent children must be under age 27. Coverage can continue to age 80.
What are the monthly premiums?
- Member only: $9.01
- Member and spouse: $13.76
- Member and child(ren): $14.97
- Family: $23.40*
*Family includes member, spouse and all children.
How do I receive my benefits?
Cash benefits are paid directly to you so you decide how the money is spent.
Accident Insurance Plan Highlights
Accident Insurance: How This Plan Works
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If you need to file a claim, please call us at 973-774-7221.
This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
The products issued by The Prudential Insurance Company of America may not be available in all states.
Not for residents of New Mexico
Not for use in New Mexico
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.