Accident & Critical Illness Insurance
Extra cash benefits when health emergencies strike
Safe Hands Insurance Services offers accident and critical illness coverage to help families manage unexpected expenses after an injury or diagnosis. These affordable policies pay cash directly to you—so you decide how to use it.
Why these policies matter
Financial Protection Beyond your Regular Health Plan
Even with good insurance, major accidents or illnesses often bring extra costs like travel, childcare, or lost income. These policies pay lump-sum benefits after a covered event such as a fracture, heart attack, or cancer diagnosis. Safe Hands Insurance Services helps clients choose the right amount of protection to fill the gap between medical coverage and real-life expenses.
What these plans can help cover
Practical Support for Recovery and Peace of Mind
- Hospital stays, co-pays, or out-of-pocket costs
- Transportation to specialists or treatment centers
- Lost income during recovery
- Everyday bills and household expenses
How Safe Hands Insurance Services supports your recovery
Personalized Help Through Challenging Times
Our advisors explain the difference between accident-only and critical illness plans and how each fits with your current coverage. With flexible benefit amounts, you can build financial resilience against life's unexpected events.
Related Pages For More Information
Common questions about accident & critical illness coverage
Understanding how benefits really work
How do these plans pay benefits?
Once a covered accident or diagnosis occurs, the policy pays a lump-sum amount directly to you—not to a hospital or provider. This cash can cover anything you need, from medical bills to everyday expenses. We’ll explain claim timelines and payout options clearly.
What’s the difference between accident and critical illness coverage?
Accident plans focus on injuries such as fractures or burns, while critical illness coverage applies to major conditions like cancer, heart attack, or stroke. Some clients choose both for full protection. We can bundle coverage for the best rate.
Can I buy this if I already have health insurance?
Yes, these plans are supplemental. They work alongside your current job-based, individual health, ACA-compliant or medicare advantage plan to provide added cash support. There’s no overlap in benefits, just additional help when you need it most.
Are there waiting periods or exclusions?
Critical illness plans often have a brief waiting period before coverage begins, and pre-existing conditions may be excluded. Accident plans generally start immediately. We’ll review all terms before you enroll.
Is the payout taxable?
Generally, the benefits are tax-free if you pay premiums with after-tax dollars. We always encourage clients to consult with their tax advisor on taxation questions.