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Accident insurance

Protect Yourself from Unexpected Expenses

Accidents often occur unexpectedly and without notice. Accident insurance can help provide peace of mind in the event of unexpected injuries.

Mutual of Omaha Hero

Features

Accident insurance offers peace of mind, financial security, and versatile coverage after an accident.

Peace of mind

Accident insurance helps provide peace of mind knowing you’re financially covered in the event of an unexpected accident, so you can focus on recovery rather than worrying about expenses.

Financial security

Costs associated with an accident can quickly add up. Accident insurance helps cover these expenses, reducing the financial burden on you and your family.

Versatile coverage

Our accident insurance plans offer a wide range of coverage, including medical expenses, hospitalization, surgical procedures and more.

Frequently asked questions

Find answers to your insurance questions here.

Accident insurance provides financial protection in the event of an unexpected accident. It provides a lump sum benefit to help cover medical expenses, emergency treatment, hospitalization, and other costs related to accidents, after primary insurance has already paid.
Our Accident insurance covers a wide range of accidents that occur during daily life, such as a fall, injury during an activity, car accident and more. Refer to your policy document for specifics.
The policy offered includes both Accidental Death and Dismemberment insurance as well as Accident Medial Expense insurance.
Accident insurance specifically focuses on providing financial support for injuries resulting from accidents, while health insurance covers a broad spectrum of medical expenses, including illnesses and routine care.
Coverage includes medical expenses such as hospital bills, doctor visits, lab texts, surgeries, emergency treatments, prescription drugs, and more.
You can purchase accident insurance for yourself, your spouse or a dependent child.

Sign up for accident insurance today

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This is a solicitation of insurance. Accidental Death and Dismemberment policy, (Form SR2023 ADD POL or state equivalent; SR2023 ADD POL FL in FL, SR2023 ADD POL ID in ID, SR2023 ADD POL NC in NC, SR2023 ADD POL OK in OK, SR2023 ADD POL OR in OR, SR2023 ADD POL PA in PA, SR2023 ADD POL TX in TX, SR2023 ADD POL WA in WA) and Accident Medical Expense rider, (Form SR2023 AMER or state equivalent; SR2023 AMER FL in FL, SR2023 AMER ID in ID, SR2023 AMER NC in NC, SR2023 AMER OK in OK, SR2023 AMER OR in OR, SR2023 AMER PA in PA, SR2023 AMER TX in TX, SR2023 AMER WA in WA) insurance are underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, 1-800-755-6000.

THIS POLICY AND RIDER PROVIDE LIMITED BENEFIT INSURANCE ONLY. Coverage starts on the policy date at 12:01 a.m. where you reside and will last for the Term of Coverage shown on the policy schedule. It ends at 12:01 a.m. on the Policy Expiration Date shown on the policy schedule.

Exclusions:
We will not pay benefits for any injury or loss that is caused by, or results from suicide or attempted suicide or intentional self-inflicted injury or sickness, while sane or insane; voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed medical professional; commission of, or attempt to commit, a felony, an assault or other illegal activity or illegal occupation; commission of or active participation in a riot or insurrection; war or any act of war, whether declared or not; or service in the military, naval or air service of any country; piloting or serving as a crewmember or riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline; participation in or practice of engaging in hang gliding, bungee jumping, parachuting, sail gliding, para sailing, para kiting, motorized racing, or any similar activity undertaken for thrill seeking; practicing for or participating in any semiprofessional or professional athletic contest where the insured person received any type of compensation or remuneration; practicing for or participating in any intercollegiate athletic contest; riding in or driving any motor vehicles in a race, stunt show or speed test; being legally intoxicated from the use of alcohol. An insured person is conclusively determined to be legally intoxicated by alcohol if a test, including but not limited to a chemical or breath test, administered in the jurisdiction where the injury occurred is at or above the legal limit set by that jurisdiction.

No benefits are payable under this policy for: any sickness, mental infirmity, infection (whether bacterial, viral, or medical) or medical or surgical treatment thereof, except for any infection resulting from an accidental external cut or wound; maternity, routine nursery care, pregnancy, childbirth, miscarriage, mental and nervous disorders, abortion or any complication from these conditions.

In addition to the limitations and exclusions found in the policy, benefits are not payable under this rider for the following: treatment by persons employed or retained by the insured person, or by any immediate family member of the insured person; any elective treatment, surgery, health treatment, or examination; eyeglasses, contact lenses, hearing aids, wheelchairs, braces, appliances, examinations or prescriptions for them; repair or replacement of existing artificial limbs, orthopedic braces, or orthotic devices; charges for which the insured person would not be responsible in the absence of coverage under the policy; expenses for which the insured person is not obligated to pay; expenses payable by any automobile insurance policy without regard to fault. (This exclusion does not apply in any state where prohibited); any expenses which are not expressly recommended by a medical professional or expenses that are not medical in nature; any treatment, service or supply not specifically covered by the policy; damage to or loss of dentures, bridges or orthodontic work; routine dental care and treatment; rest cures or custodial care. Refer to your specific policy documents for further information.

Product is available in all states except MA, VA, NM and NY.

IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

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