Accidents can happen to anyone, at any time. Compass Accident Insurance can help you pay for the out-of-pocket costs you may experience after an accident.  

Key Features

  • A limited benefit policy (not health insurance)1
  • Spend benefits on what you need – medical expenses, groceries, utilities
  • Benefits for common injuries like fractures and dislocations, burns, lacerations and concussions2
  • Benefits for emergency room visits, ambulance, hospital care, surgery and physical therapy2
  • Benefits paid regardless of any other insurance you have 
  • Coverage may follow you if you leave your employer2 
  • Visit the Claims Center to start a claim, upload a claim form, download a claim form or find a claim contact.

Suitable For

Individuals
  • Individuals who are active 
  • Individuals who are accident-prone 
  • Individuals facing large health insurance deductibles 

Eligibility

Eligibility limits
  • Available through your employer
  • No health questions or medical tests to get coverage
  • Must meet employer’s eligibility requirements2
  • Optional spouse, domestic partner or dependent children coverage2 

Rates

  • Premiums are typically lower when you purchase group coverage through your employer
  • Premiums are conveniently deducted from your paycheck

Additional Details

1Accident insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. 

2This varies by state and the Accident Insurance plan offered by your employer. 

Use the EFT Form to request monthly premium payment via EFT, if you are paying premiums directly to the insurance company.

Use the Service Request Form for a variety of requests, if you have accident insurance. Note: For Compass Accident Insurance, this form is only used to request a duplicate certificate if you are paying premiums directly to the insurance company.

Additional Resources

This information is a brief description of coverage. The policy and riders should be read carefully for exact terms and conditions, exclusions and limitations. Policy Form # RL-ACC2-POL-12 or RL-ACC3-POL-16. Policy form numbers, product availability and benefit provisions may vary by state.

Voya Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Home and Administration Office: Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Home Office: Woodbury, NY. Administration Office: Minneapolis, MN). 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.