Unum’s accident insurance can pay benefits based on the injuries and treatments you sustain due to a covered accident, including fractures, dislocations, emergency room treatments and more. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays. Family coverage is available. A $50 wellness benefit is included (once per insured per calendar year).

Accident Benefit Schedule

Group Accident Policy and Certificate - For All Participating Employees

Sample Covered Injuries
Sample Covered Injuries Benefit Amount Sample Covered Injuries Benefit Amount
Fractures, Closed; Open $3,750 - $7,500 Prosthetic device or artificial limb $750 - $1,500
Dislocations, Closed; Open $3,000 - $6,000 Surgery Benefit, open abdominal, thoracic $1,500
Concussion $150 Surgery Benefit, exploratory (without repair) $150
Coma $10,000 Hernia Repair $150
Ruptured Disk $800 Physician follow-up visit (2 visits per accident) $75
Knee Cartilage, torn $750 Chiropractic visit (up to 3 visits per calendar year)2 $25
Knee Cartilage, Exploratory $150 Therapy Services, (up to 10 per accident) $25
Lacerations $25-$600 Doctor’s office initial visit $50
Dental Work, emergency extraction $100 Tendon/Ligament and rotator cuff, repair of one $800
Eye injury $300 Appliance (once per accident) $100
Ambulance (ground, once per accident)1 $400 Blood, plasma and platelets $400
Air ambulance $1,500 Medical Imaging Test, once per accident $200
Intensive care admission (once per covered accident) $1,500 Lodging (per night up to 30 days per accident)3 $150
Hospital Confinement (per day up to 365 days) $200 Outpatient surgery facility service (once per accident) $300
Intensive care confinement (per day up to 15 days) $400 Pain Management, epidural, once per accident $100
Hospital Admission, (once per covered accident) $1,000 Emergency treatment in physician office/urgent care facility $75
Emergency Room Treatment $150

*This is a summary of coverage; please review your policy documents for complete plan benefits. See page 18 for additional information.

The policy or provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

THIS IS A LIMITED POLICY. Underwritten by:

Unum Life Insurance Company of America Portland, Maine

unum.com Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with state civil union and domestic partner laws when applicable.

CU- 2756 (01-17)

Have a question? Contact us:
  (866) 766-4840

Privacy Policy read it here
© Copyright EnrollVB, LLC 2018
All Rights Reserved