Accidents Don't Wait. Neither Should Your Protection.

A broken bone, a bad fall, a trip to the ER — when an accident happens, the bills start piling up fast. Deductibles, co-pays, lost wages, travel to specialists. A supplemental accident protection policy pays cash benefits directly to you, so you can focus on recovery instead of bills.

  • Receive lump-sum cash benefits for fractures, burns, lacerations, and ER visits.*
  • Up to $500,000 in accidental death benefits with built-in inflation protection.*
  • Up to $30,000 per ICU confinement — with no lifetime maximum.*
  • Benefits are paid directly to you. You decide how to use the money.
  • Coverage at home, at work, and at play.

Get Your Quote for Accident Insurance

We have a real, knowledgeable agent available to answer your questions about supplemental accident protection.

Get Your Personalized Quote Today—With No Obligation

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Your Bills Don't Stop for an Accident

Like all types of insurance, accident insurance must be in place before an issue occurs.

A Disabling Injury Every Second

An unintentional-injury death occurs every four minutes, and a disabling injury every second in the United States.2

$90,000+ Per Motor Vehicle Injury

The average cost of each disabling motor vehicle injury in the U.S. exceeds $90,000 — and that doesn't include lost wages.3

2.4 Million ER Visits From Falls

In a single year, older adults made 2.4 million emergency department visits for fall injuries alone — making falls the leading cause of injury in adults over 65.4

“As much as you hope you won’t have to use the policy, it’s nice to have the cushion to fall back on when you aren’t prepared for an accident.”

Laura Jelinek
After a head injury sent Laura to the ER for a CAT scan and MRI, her accident policy marketed by Platinum covered the bills — and her claim was paid within a month.

Coverage and Customer Service You Can Trust

Platinum’s leading supplemental health insurance products protect 70,000+ families in 20 states.

Our customers are always assisted by real, friendly, knowledgeable representatives.

With Platinum’s Return of Premium benefits, you can get 100% of your premiums back at the end of your policy’s term, less any claims paid.

Get Your Quote for Accident Insurance

*Benefit amounts listed are based on the Plan C benefit plan. Other benefit plans are available. Premiums will vary by plan.

Return of Premium benefit terms vary by age and state.

This policy has limitations and exclusions. For costs and complete details of coverage contact us at 563-538-1267

1Centers for Disease Control and Prevention. The National Institute for Occupational Safety and Health. Agricultural Safety. Retrieved from
http://www.cdc.gov/niosh/topics/aginjury

2National Safety Council. Preventable Deaths: Minute by Minute. Injury Facts. Retrieved from
https://injuryfacts.nsc.org/all-injuries/preventable-death-overview/minute-by-minute/data-details

3National Safety Council. Guide to Calculating Costs. Injury Facts. Retrieved from
https://injuryfacts.nsc.org/all-injuries/costs/guide-to-calculating-costs/data-details

4Centers for Disease Control and Prevention. Emergency Department Visits and Hospitalizations for Selected Nonfatal Injuries Among Adults Aged ≥65 Years — United States, 2018. MMWR. (2021, May 6).
https://www.cdc.gov/mmwr/volumes/70/wr/mm7018a1.htm

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*Platinum is an insurance marketer. Our products are underwritten by third-party carriers. Not all of our products are available in all states. The plans have exclusions, limitations and terms under which the plan may be continued in force. Availability, features, benefits and options may vary by state. Please call Customer Service at 1-855-637-6550 for complete details.
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Let’s Talk About Your Coverage Options

If something in the audio series got you thinking—or you just want to talk through what’s available in your state—we’re here to help. No pressure, no rush. Just a real conversation with someone who listens.
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