Accident Insurance
Supplemental policy that pays cash benefits for injuries, treatments, and follow-up care after an accident.
About Accident Insurance
Accident insurance pays you a cash benefit when you experience a covered accidental injury — anything from a broken bone or concussion to a more serious accident requiring surgery. Benefits are paid based on a schedule in the policy and are independent of any medical insurance you carry.
These plans are popular with active families, athletes, and anyone enrolled in a high-deductible health plan. Use the cash for ER copays, urgent care visits, physical therapy, lost wages, or anything else you need.
Accident insurance only pays for injuries that result from a covered accident — it does not pay for illness or routine medical care.
- Emergency room and urgent care benefits
- Fractures, dislocations, lacerations, and burns
- Hospital admission and confinement benefits
- Follow-up doctor visits and physical therapy
- Ambulance and air ambulance
- Accidental death and dismemberment riders (some plans)
- Illnesses, infections, or chronic conditions
- Injuries from acts of war or while committing a felony
- Self-inflicted injuries
Most adults and children — accident insurance is generally guaranteed-issue with limited or no health questions.
Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.
When you can enroll
Carriers active in New Jersey
These carriers offer this product to New Jersey residents. We shop across them to find the right fit.
New Jersey counties served
Yumi Health helps residents in all 21 New Jersey counties.
Sources
Information last reviewed: 2026-04-07. Specific premiums, networks, and benefits change every plan year — talk to a Yumi Health advisor for the most current details.
Ready to see what fits?
A licensed Yumi Health advisor reviews your situation and tells you exactly which plans you qualify for. Always free.