Individual & Family · Accident
A broken bone shouldn't break the budget.
Your health plan pays the hospital. It doesn’t pay your deductible, the shifts you missed, or the childcare while you recover. Accident insurance pays cash straight to you — for exactly those things.
The gap it fills
Good coverage still leaves a bill
Deductibles and coinsurance have climbed for years. Even a well-insured trip to the ER can leave thousands owed — plus the costs no insurer sees at all: time off work, travel to specialists, help around the house while you heal.
Typical covered events that trigger a cash benefit:
- Broken bones and fractures
- Severe burns
- Emergency room visits
- Ambulance transport
- Dislocations and torn ligaments
- Hospital admission after an injury
Covered events and benefit amounts vary by policy — we’ll show you the schedule before you decide.
Who it’s for
Where this coverage earns its keep
High-deductible households
If a $5,000 deductible would hurt, accident coverage is the cheapest way to blunt it.
Families with active kids
Sports injuries are the classic claim — some plans add a benefit specifically for organized-sport injuries.
Physical work
Trades, warehouse, healthcare — jobs where an injury is a realistic possibility, not a remote one.
Anyone living close to the line
When an unplanned $2,000 would mean a credit card, cash-in-hand coverage does real work.
Fika makes it easy
Supplemental only makes sense on top of the real thing.
We won’t sell you accident coverage as a substitute for comprehensive insurance — it isn’t one. But layered over a high-deductible plan, it’s one of the least expensive ways to protect a household budget. We’ll show you the benefit schedule and the honest math. Free, no pressure, no spam.
FAQs
Accident coverage, answered
Your major medical plan pays providers for treatment, minus your deductible and coinsurance. Accident insurance pays you a set cash benefit when a covered injury happens — and you decide what it’s for: the deductible, the mortgage, childcare, the days of work you missed. It supplements comprehensive coverage. It never replaces it.
Explore Individual & Family coverage