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Group Accident Insurance

Help employees prepare for the unexpected with Principal accident insurance.

Life doesn’t always go according to plan. Accidental injuries happen, and they can have a big impact on the wallet. Accident insurance helps supplement key benefits by providing employees a lump-sum cash benefit1体育投注网盘口 after a covered accidental injury.

Who pays the insurance premium?

体育投注网盘口Employees pick up the entire cost of the premium with voluntary accident insurance. They choose who to cover and pay the premiums through payroll deduction.

What is accident insurance?

Accident insurance can help employees and their families be better prepared to handle expenses that pop up after an accidental injury. A lump-sum cash benefit1 is paid directly to the insured person after having a covered injury. This benefit provides cash that can be used however it’s needed.

Why offer group accident insurance?

Accident insurance helps your employees maintain financial wellness. The expenses that can result from unexpected injuries can often be overwhelming to your employees and their families. When they’re covered by accident insurance, they can breathe a sigh of relief that they’re better prepared financially just in case an accident happens.

How does group accident insurance work?

Our accident insurance is different, offering a simplified design that’s unlike many other accident coverages. It pays an up-front, lump-sum benefit based on covered injuries received—regardless of other coverages or actual expenses. It’s not dependent on services, tests or treatments, so employees can get paid right away with less paperwork. And there’s no guesswork about the benefit amount.

The benefit can be used any way the employee chooses, such as medical deductibles and copayments, transportation, food and lodging, child care, lost income from missing work, home healthcare needs, and more.

What injuries are covered?

体育投注网盘口Accident insurance covers:

  • Burns
  • Comas
  • Concussions
  • Dental or eye injuries
  • Dislocations
  • Fractures
  • Internal injuries
  • Knee cartilage
  • Ruptured disc
  • Tendon/ligament/rotator cuff injuries

Key features of group accident insurance from Principal

  • Simplified design, minimal paperwork, and quick claims
  • Proof of good health is never required
  • Employees can buy protection for their spouse and/or kids
  • You can include an accidental death and dismemberment (AD&D) benefit, wellness, and portability

I’m interested in Principal accident insurance. What’s next?

  • Talk to your advisor about offering group accident insurance. And, consider combining accident insurance with life insurance and critical illness insurance to offer a comprehensive benefits package.
  • Already a customer? .
Do you offer employee benefits through us?

Manage your benefits online.

Need to submit a claim?

体育投注网盘口Complete and submit the .

Need to submit a wellness claim?

  • Complete and submit the . 
  • California customers: Complete and submit the .

Have questions?

Get online accident insurance claims help体育投注网盘口. Or, call us at 800-245-1522 for help in English or 800-243-1404 for help in Spanish.

1体育投注网盘口 Based on current federal income tax laws, if insurance premiums are paid with after-tax dollars, the benefits are received income-tax-free.

ACCIDENT INSURANCE PROVIDES LIMITED BENEFITS. This is an overview of the benefits accident insurance provides, but there are limitations and exclusions. For cost and coverage details, contact your Principal representative.  Accident insurance from Principal®体育投注网盘口 is issued by Principal Life Insurance Company, Des Moines, IA 50392. Oregon policy GC 8000 (ACC) (0915) OR.

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