What is accident insurance?
Cash protection for the unexpected
Accident insurance pays you cash benefits directly for accidental injuries such as fractures, cuts or sprains — whether or not you already have other insurance. This plan complements your existing coverage and pays benefits regardless of any other policy.
Key point: The money goes straight into your hands. Use it for deductibles, copays, food, rent, gas — whatever you need while you recover.
★ Level 4 — Maximum coverage
Real example: Broken leg
Covered person · complete fracture · surgical repair
❌ Your out-of-pocket costs
Emergency room · $100
Deductible · $1,000
Orthopedic specialist · $35
Physical therapy, 10 days · $350
Deductible · $1,000
Orthopedic specialist · $35
Physical therapy, 10 days · $350
Total: $1,485
✅ The policy pays you
Emergency · $200
Follow-up visits (x2) · $120
Leg fracture · $3,000
Physical therapy, 8 sessions · $480
Medical devices · $200 · X-ray · $100
Follow-up visits (x2) · $120
Leg fracture · $3,000
Physical therapy, 8 sessions · $480
Medical devices · $200 · X-ray · $100
You receive: $4,100
With Level 4, you personally receive
$4,100 in cash
regardless of any other insurance you may have
Level 4 benefits
The exact amounts you would receive
Emergency / Urgent care
$200
Per emergency room or urgent care visit
Follow-up visits
$60 c/u
Up to 2 follow-up visits per covered accident
Complete fracture
$3,000+
Varies by the bone fractured and type of injury
Physical therapy
$60/session
Up to 8 sessions per covered accident
Orthopedic devices
$200
Crutches, wheelchairs and other necessary devices
X-rays
$100
To diagnose covered accidental injuries
Lacerations
$60+
Cuts and wounds requiring medical treatment
Dislocations
$400+
Varies by joint and severity
Level 4 = maximum protection: Roughly double the benefits of Level 1 in every covered category.
Washington National guarantees
What they promise you in writing
- Paid directly to you — or to whoever you choose, without going through the hospital
- Paid independently — paid regardless of any other insurance you already have
- No premium increase with age — your rate doesn't go up just because you get older
- Renewable for life — as long as you pay your premiums, you stay covered
- They can't raise it on you alone — only if rates change for everyone in your state
- Fully portable — you keep your policy if you change jobs, move or retire
Coverage wherever you go: At work, at home, in the community. Accidents don't ask permission.
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Policy form: WNIC2130 · Washington National Insurance Company · Carmel, IN 46032. This policy has limitations and exclusions. Costs and benefit amounts may vary. Premiums are based on the benefit level selected. This example is for illustration only.