Accident Insurance
For life's unexpected events.



24-Hour accident plan.

The 24-Hour Accident Plan from Standard Life helps you pay for out-of-pocket expenses and provides benefits to you and your family for many of the accidents that can happen without warning.



1 in 4

More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.1


In 2017, approximately 2.8 million nonfatal workplace injuries and illnesses were reported by private industry employers.2


Approximately 61% of households facing medical bill challenges report being late on a payment and 56% say they’ve missed a payment.3



Outpatient covered expenses include physician charges, surgery, x-rays, reduction of fractures, or other emergency first-aid expenses incurred in a physician’s office, clinic, outpatient hospital facility, or ambulatory surgical center, which are incurred within 28 days of the accident. Inpatient covered expenses include physician charges, hospital room, and hospital billed services and supplies that are incurred within 28 calendar days of the accident.



Pays benefits for covered expense for ground or air ambulance transportation (within 28 days of accident) due to an accidental injury. Accidental Death Benefit: for loss of life due to accidental injury (within 90 days of the accident).



Pays benefits if the Primary Insured suffers a specified dismemberment due to accidental injury within 90 days of the accident. This benefit applies only to the Primary Insured. The total amount payable for all losses resulting from the same accident will not exceed the Maximum Dismemberment Benefit Per Accident.

Dismemberment benefits are paid in lieu of other benefits if they exceed other benefits payable under the policy. If both an Accidental Death Benefit and an Accidental Dismemberment Benefit would otherwise be payable, benefits will be paid under the provision that would pay the most.



Issue ages 0 to 75
Choose your own doctor or hospital
Covers individuals or families
Guaranteed renewable to age 80
Seven plan options





Sources for statistics:, March 28, 2018; 2Bureau of Labor Statistics, News Release: Employer-Reported Workplace Injuries and Illnesses, November 8, 2018; 3The Burden of Medical Debt: Results from the Kaiser Family Foundation/New York Times Medical Bills Survey, January 5, 2016;