Accident Insurance

Accident Insurance

Senior couple riding bikes.

Give your employees optional insurance that pays a benefit when they experience a covered accident after their coverage becomes active. 

Accident Insurance can help your employees:

Gain peace of mind amidst high healthcare costs.
As deductibles, co-pays and co-insurance rise, many employees are worried about increasing out-of-pocket costs. Accident insurance can help ease those fears.

Receive a lump-sum benefit to use however they choose.
Accident benefits can be used however you decide and can help pay for everyday expenses like groceries, gas or utilities.  

Focus on recovery, not financial stress.
Financial stress can follow employees into the workplace. Ease this potential burden by offering cost-effective, supplemental health insurance benefits.

Accident Insurance is one of three supplemental health insurance products offered by Voya. These products can help you:

Easily expand your benefits offerings.
Accident insurance works on virtually any enrollment platform or benefits administration system. No health questions are required to enroll.

Complement a high-deductible health plan.
If you currently offer — or are considering moving toward — a high deductible health plan, Accident Insurance is a cost-effective way to round out your coverage options. 

Control your benefit costs.
With Accident Insurance offered by Voya, you’re in control of the plan design, including how premiums will be paid (by the employer, employee or a hybrid) and more.

Ready to take the next step? Talk to a Voya representative to start designing your plan today.

Accident Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.




Insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya® family of companies. Voya Employee Benefits is a division of both companies. Product availability and specific provisions may vary by state and employer's plan.