Accident Insurance

Pays you benefits when you experience an accidental injury.

Why Accident Insurance?

Accidents can happen and they can stop you from living your life to the fullest. From work related injuries to traffic accidents, to trips, slips and falls, accidental injuries happen every day. Wise Accident Insurance is supplemental insurance that provides payments when unexpected covered accidents and injuries occur.

Accident Insurance is separate from your major medical insurance or health insurance and provides fixed benefits directly to you. You can use the cash benefits for whatever you need – rent, groceries, bills, medical supplies, anything! With Wise Accident Insurance, you can spend less time worrying about what might happen if the unexpected occurs.

Consider the Facts

In the next 10 minutes,

Americans will suffer an injury severe enough to require a medical professional consultation according to the National Safety Council. 1

Accident Insurance FAQs

  • Why would I want an Accident Insurance policy?

    If you have an unexpected injury that requires expensive treatment and care, you may not be financially prepared to pay for those costs in addition to your typical living costs. Wise Accident Insurance will pay fixed cash benefits to you when you experience a covered accident and injury. These are examples of some of the benefits you may receive from Accident Insurance.

    • Emergency Room and Urgent Care benefits are available for covered treatment in the most convenient location for you.
    • Diagnostic Testing Benefit: Benefits are payable when procedures such as an X-ray, Ultrasound, EEG, PET scan, CT scan, or MRI are necessary for diagnosing a covered Injury.
    • Dislocation and Fracture Benefits: Accident Insurance can provide lump sum payments based on the type and severity of your covered Injury.
    • Surgical Benefits: Accident insurance can provide financial relief when covered Injuries require surgery, such as rotator cuff, tendon, ligament, knee cartilage, joint, and hernia repairs and more.
    • Hospital Inpatient Admission and Confinement Benefits: Accident Insurance benefits may be payable for each day of a hospital confinement.
  • How and when can I use the benefits from my Accident Insurance?

    Benefits are paid directly to you allowing you to use the benefits for whatever you need. Here are some examples of expenses you may want to pay for with Accident Insurance benefits.

    • Copays & other out of pocket medical costs
    • Home mortgage, rent, or utilities
    • Transportation & lodging
    • Childcare
  • Who is covered by my Accident Insurance?
    You can purchase coverage for yourself, your dependents, your spouse or any combination.
  • How do I buy Wise Accident Insurance?

    Wise Accident Insurance is available as an individual policy and may also be available to you through your employer as a group policy.

Real Protection For Life's Unexpected Accidents

Source: 1. injuryfacts.nsc.org/all-injuries/preventable-death-overview/minute-by-minute, “National Safety Council Injury Facts”, 2023.