Accident, Critical Illness and Hospital Indemnity

No one is ever prepared for a serious injury, illness or hospital stay and the associated physical, mental and financial burdens. By providing your employees with accident, critical illness and hospital indemnity coverage, you provide the added protection to help relieve the financial stress that often comes with these events.

Medical Mutual Accident, Critical Illness and Hospital Indemnity plans all pay a lump-sum cash benefit to help cover out-of-pocket medical expenses. However, employees can use these cash benefits any way they wish, such as paying rent, buying groceries or to help make up for lost wages when out of work—ultimately providing even more value to your employees.

Accident Insurance

Accident insurance provides lump-sum cash benefits to employees for injuries resulting from a covered accident. This includes benefits payable for a variety of injuries and treatment services to ensure your employees have extra financial relief if an accident occurs.

Critical Illness Insurance

Critical illness insurance pays employees a lump-sum cash benefit upon the diagnosis of a covered illness. While health insurance provides employees coverage of major medical expenses associated with treatment of critical illness, they may have out-of-pocket expenses that are not covered by their health plan.

Hospital Indemnity Insurance

Hospital indemnity insurance offers employees financial protection through lump-sum cash benefits for inpatient and outpatient services that are needed as a result of a covered accident or illness. This can help alleviate the burden of costly hospital expenses that may remain after health insurance deductibles or copays.

Plan Offerings by Company Size

For small groups with 1-50 employees

Accident, Critical Illness and Hospital Indemnity Coverage with MedMutual Extend

MedMutual Extend offers an affordable option for accident, critical illness and hospital indemnity coverage that can complement a health insurance plan. There are six plan options to choose from, and no underwriting is required to enroll.

2020 MedMutual Extend Plan Options
2021 MedMutual Extend Plan Options

For large groups with 51 or more employees

Accident and Critical Illness Plans

Our large group accident and critical illness plans provide full coverage that can complement your employees’ health insurance. We offer a variety of standard plan options for both accident and critical illness products, some of which include a wellness incentive providing cash benefits when certain preventive health screenings are completed.

These plans are stand-alone products, but when purchased together they can provide your employees with more options, comprehensive coverage and peace of mind. Coverage can be offered to your employees as a voluntary benefit or employer paid.

Accident and Critical Illness brochure

Hospital Indemnity Plans

Product coming in 2021.

Interested in learning more or ready to shop?

For more information on these offerings or if you are ready to enroll, please contact your sales representative or broker. You can also request a quote online.

Request a Quote

These products provide limited benefits. This document is only a brief summary of such benefits. Product limitations, exclusions, waiting and elimination periods may apply. These products do not qualify as Minimum Essential Coverage as defined under the Affordable Care Act. The termination or loss of the coverage of these products does not initiate a special enrollment period to purchase a health benefit plan that qualifies as Minimum Essential Coverage outside of an open enrollment period. This advertisement is for policy form numbers STIND-GHOSP, STIND-GACC, STIND-GCRITILL, STIND–LGACC and STIND–LGCRITILL. Products and services are underwritten by MedMutual Life Insurance Company, a subsidiary of Medical Mutual of Ohio.