Accident coverage doesn't replace an employee's medical plan. It gives it a boost! When an employee gets hurt, their health plan won’t pay the rent, grocery bills and other everyday expenses. Accident insurance puts cash in their hands, helping them cut back on their worries and focus on healing. In other words, the benefit payment can be spent any way the covered member chooses. The policy covers a wide range of incidents and injuries, from minor ones that require only a quick trip to the doctor, to major ones that lead to hospitalization, surgery and physical rehabilitation.