Group supplemental health insurance

Accident insurance

Accidents don’t need to be big to be expensive. Even common injuries like sprained ankles can have a significant impact on employee finances.

That’s why accident insurance can be an important part of any group benefits plan.


Two types of coverage

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Scheduled benefit accident

This coverage pays benefits based on a “schedule” of covered accidents. A fixed amount is paid based on the type of injury. In general, the more serious the accident, the greater the benefits paid.

This coverage is a great fit for employers who prioritize catastrophic injury protection.

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Per-occurrence accident

This coverage pays 100% of eligible services and supplies, up to a plan maximum. Plans can be customized between $500 and $5,000 per accident, and cover one or three accidents per insured, per year.

If you prioritize accidents that tend to be more common, per-occurrence accident insurance is the way to go.

Which type of coverage is right for your group?

Use the chart below to compare scheduled benefit and per-occurrence accident plans.

Product features

Scheduled benefit accident insurance

Per-occurrence accident insurance

Guaranteed issue checkmark checkmark
Flexible plan designs checkmark checkmark
Tiered rates checkmark checkmark
No coordination of benefits checkmark checkmark
Automatic direct payroll deductions checkmark checkmark
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Portability, continuation and/or extension of coverage checkmark  
Accidental death and dismemberment (AD&D) coverage checkmark  
Broad definition of qualifying injuries   checkmark

Next Steps

First Symetra offers a number of solutions to help you stay competitive in today's marketplace. To learn more, contact your benefits representative.


Select Benefits insurance policies are designed to provide benefits at a preselected, fixed dollar amount. They are not a replacement for a major medical policy or other comprehensive coverage and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details, contact your First Symetra representative.

Select Benefits policies are insured by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124-1690.