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Accident Supplement

Receive cash benefits for medical expenses if you have an accident.

Accidents are unpredictable and can lead to high medical bills, which your insurance may not fully cover.

With Accident Supplement , you’ll receive cash reimbursements for eligible medical expenses. A deductible may apply before benefits are paid.

This is guaranteed-issue insurance for all individuals and their families.

Liferaft works with multiple carriers to bring you supplemental accident insurance options.

What’s Covered?

The following conditions may be covered by Accident Supplement, based the plan you select.

Inpatient Expenses

Includes boarding costs, ICU, treatment, nurse services, and physician services (surgical and non-surgical).

Outpatient Expenses

Includes office visits (non-surgical), diagnostic imaging tests, physiotherapy, surgical facilities, ambulance services, medical equipment rental, dental services, and prescription drugs.

Loss of Vital Limbs and Functions

Includes loss of life, limbs, sight, speech, and hearing.

Why should I have Accident Supplement?

Even with health insurance, you’re still likely to have medical bills and expenses. Accident medical expense insurance can help by providing cash reimbursements for outstanding medical expenses after your health insurance has paid its portion.

This AME plan also comes with Accidental Death & Dismemberment (AD&D) insurance. AD&D pays a cash benefit if you or a covered family member suffers a covered loss from an accident.


Average deductible amount paid by an individual with employer-provided health insurance in 2020.1


Percentage of Americans worried about being able to afford an unexpected medical bill.2

0.0 days

Average length of a hospital stay in the United States.3

IMPORTANT NOTICE: Coverage under the policy does not constitute comprehensive health insurance coverage (a/k/a/ "major medical insurance"). It therefore does not satisfy the "minimum essential coverage" requirements of the Patient Protection and Affordable Care Act. Coverage will not satisfy the individual responsibility requirements of section 5000A of the Internal Revenue Code.