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Accident Supplement

Receive cash reimbursements 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. Plans start at $6/month.

Not currently available, coming soon.

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

What does Liferaft’s Accident Medical Expense Insurance cover?

The plan covers inpatient expenses such as boarding, ICU, treatment, and nurse services. It also covers outpatient expenses such as office visits, diagnostic imaging tests, and physiotherapy. This coverage can give you peace of mind in knowing that your expenses will be covered, even if your regular health insurance policy doesn't cover them all.

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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 out-of-pocket maximum in the United States.1


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

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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.