Accident Direct

Cash benefits paid directly to you, not your doctor or hospital, for accident-related hospital stays


In life, unexpected things happen all the time, and having medical insurance is just one part of being protected, but when accidents happen you also need additional financial protection. You may be surprised to learn the average hospital stay is 4.6 days, with average hospital charges and out-of-pocket costs totaling $26,120 and $8,692, respectively.* Additionally, there are daily living expenses and other unexpected costs that may arise while you are recovering.

Our Accident Direct supplemental insurance plan is simple. It pays a lump-sum cash benefit directly to you for a hospital confinement due to an accidental injury, providing you with important financial assistance. This money can be used for anything you choose. It’s your money, your decision.

Cash Benefits Can Be Used For

  • Copays or Coinsurances
  • Rent or Mortgage
  • Car Payments
  • Child Care
  • Everyday Living Expenses

How Does Accident Direct Work?

  • Step 1: Accidents Happen.

    If you are hospitalized for an accidental injury, get benefits directly to you, not your doctor or hospital.

  • Step 2: Submit your claim.

    Easily check the status of your claim online 24/7.

  • Step 3: Receive your cash.

    It’s your money, you decide how to use it.

Questions about Accident Direct Insurance

Are there any restrictions on how I use the money?

No, you can use the money however you choose. It’s your money, your decision.

Can I receive money for other family members injured in an accident?

Yes. You will receive a specified amount according to the injuries incurred by each family member covered by the policy. Plus, if two or more covered persons are injured in the same accident there is an additional benefit.

Can I still receive money if I am not admitted to the hospital?

No. Accident Direct is designed specifically for accident-related injuries that require hospitalization.

How do I receive the money?

If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.

How is supplemental insurance different than medical insurance?

When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.

How is supplemental insurance different than my current health insurance plan?

Health insurance plans pay your doctors and hospital. Supplemental insurance from SureBridge pays you. You decide how to use the cash benefits received.

Is supplemental insurance expensive?

SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.

Is the money I receive affected by health insurance?

No. You will receive a specified amount independent of any health insurance.

Who can I speak with to find out more information?

Call (866) 876-8756 Monday – Friday from 8:00 am through 7:00 pm for more information on SureBridge products.

Why do I need supplemental insurance from SureBridge if I already have medical insurance?

Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.

The Chesapeake Life Insurance Company brand is transitioning from SureBridge to UnitedHealthcare. The current brand will display based on each product.
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