Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?
Features of this insurance include:
The cost of Accident Insurance varies. It is very likely that your monthly premium will be less than a trip to the movie theater. See below for your affordable rate.
Bi-Weekly Rates (26 Pay Periods)
Employee and Spouse
Employee and Children
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Can I meet with someone one-on-one to get a better understanding of this insurance product?
Who is the provider?
How can this help me?
Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have insurance coverage that pays you a benefit regardless of any other insurance you have? Accident insurance does just that, providing benefits to cover the costs associated with unexpected covered accidents.
Who is eligible?
Who can enroll?
You, your spouse and eligible children qualify for this coverage.
*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider.
When can I enroll?
When is my coverage effective?
The effective date of coverage is the date you are eligible to begin filing claims. The injury must occur on or after the coverage effective date.
When/how can I cancel my coverage and when would it take effect?
What if my employment status changes?
How do I pay for this benefit?
Will my rates increase as I get older or if I file a claim?
Will I have to take a medical exam to get this coverage?
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, you may qualify to receive benefits for items such as those listed below, as long as they are a result of a covered accident. Benefit types and amounts are determined by the type of plan selected, the circumstances of your accident and the care you receive. You may be required to seek care for your injury within a set amount of time. Note that there are some variations by state. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.
Exclusions and Limitations
Exclusions for the Certificate, Spouse Accident Insurance, and Children’s Accident Insurance are listed below. (These may vary by state.) Benefits are not payable for any loss caused in whole or directly by any of the following*:
*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.
Are there any pre-existing condition limitations with this plan?
What is the Wellness Benefit, and how do I claim my $100?
The Wellness Benefit is a rider that is automatically included with your Accident, Critical Illness, and/or Hospital Confinement Indemnity Insurance coverage. It provides an annual benefit payment if you complete a health screening test, whether there is any out-of-pocket cost to you or not. You are eligible to receive one annual benefit of $100, regardless of how many screening tests you may complete. If enrolled, your spouse is eligible to receive the $100 wellness benefit and your children are eligible to receive $50 each, up to a maximum of $200 for all children in a calendar year, if they complete a screening. If you participate in Baystate’s health screenings for employees through the Baystate Healthy program, this screening qualifies for the $100 benefit.
Click here to view more details about what types of screenings qualify on the wellness benefit and here for how to claim it. Personal information provided on a claim form and supporting documentation confirming the name of the person/organization you saw and date of the screening is, generally, what Voya requires. Information regarding other insurance is not needed for this type of claim.
I have Voya coverage under more than one plan (Accident, Critical Illness, and/or Hospital Indemnity) that includes a $100.00 wellness benefit. Am I eligible to be reimbursed for that benefit under more than one plan for the same service?
How do I access a claim form and how do file a claim for benefits?
This is a summary of benefits only. Please review your enrollment materials and any other applicable brochures prior to enrolling in coverage. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Accident Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-ACC3-POL-16. Form numbers, provisions and availability may vary by state.