Confidential  ·  No obligation  ·  Guaranteed issue
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Accident
Cash Benefits for Accidents.
On and Off the Job.

Realm Health Accident pays cash benefits for covered accidents regardless of what
your primary insurance pays — with no coordination of benefits and an annual wellness benefit included.

Book a Call with a Realm Health Advisor    See What's Covered

First dollar · Cash benefits · No coordination · Portable
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At a Glance

Accident coverage that doesn't play second fiddle.

With Realm Health Accident you receive the full benefit regardless of other coverage.


Your accident coverage should work whether you're on the clock or off it.

Workers' compensation only covers on-the-job injuries. Many personal and group health plans have some out-of-pocket expenses. Realm Health Accident fills the gap — paying cash benefits for covered accidents 24 hours a day, regardless of where or when they happen, and regardless of what other insurance has already paid.

  • No coordination of benefits. Your benefit isn't reduced based on what primary insurance paid. You receive the full amount, period.
  • On and off the job. Coverage applies to accidents at work, at home, on the road, or anywhere life takes you.
  • Cash paid directly to you. Benefits go to you — not to your providers — giving you flexibility to use them wherever they're needed most.
  • Annual wellness benefit included. Every plan includes an annual wellness benefit — rewarding you for proactive health maintenance, not just reacting to injury.
  • Ideal for transportation workers. Realm Health is the fastest-growing solution in transportation — built for workers in high-activity, high-risk environments.
Built for the Real World

Accidents don't check the time before they happen.

Whether you're on a job site, on the road, on the field, or just at home — accident coverage that only works during work hours isn't really coverage at all. Accident works around the clock.


Workers' comp only covers what happens at work. Health insurance leaves behind the out-of-pocket costs. Accident is the layer that fills both gaps with cash.

Accident

What's Covered

From minor injuries to major accidents — covered.

Realm Health Accident covers a broad range of accident-related events and expenses — not just the incident itself, but the downstream costs that follow.

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Emergency Room & Urgent Care

Cash benefits for ER visits and urgent care resulting from a covered accident — including triage, treatment, and discharge — regardless of what your primary plan already paid.

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Hospitalization

If a covered accident results in a hospital stay, benefits are paid per day of confinement — helping offset the out-of-pocket costs that major medical plans often leave behind.


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Surgery & Anesthesia

Surgical procedures and anesthesia resulting from covered accidents are included — cash benefits paid regardless of what primary insurance covered for the same procedure.




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Fractures & Dislocations

Broken bones and joint dislocations are among the most common accident outcomes — and among the most expensive to treat. Cash benefits cover treatment costs from diagnosis through recovery.


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Lacerations & Burns

Cuts requiring stitches, burns, and soft tissue injuries from covered accidents generate real medical bills. Your plan pays cash benefits for covered treatment — independently of other insurance.


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Physical & Rehabilitation Therapy

Recovery from injury often requires ongoing physical or rehabilitative therapy. Benefits cover the downstream costs of getting back to full health — not just the initial treatment.


Annual Wellness Benefit — Included with Every Plan

Realm Health Accident isn't just for when accidents happen. Every plan includes an annual wellness benefit — encouraging preventive care and rewarding members for taking care of their health year-round. It's coverage that works for you even when nothing goes wrong.


Book a Call with a Realm Health Advisor  
Advocacy

Who Benefits Most

Built for workers who put themselves on the line every day.

Accident coverage is particularly valuable for workers in physically demanding roles — where the risk of accident isn't hypothetical, it's a daily reality.

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Transportation Workers

Truck drivers, delivery workers, and logistics employees face elevated accident risk every day on the road. Realm Health is the fastest-growing solution in transportation — built for this workforce.


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Construction & Trades

Physical labor comes with physical risk. Workers in construction, manufacturing, and skilled trades benefit from accident coverage that pays regardless of workers' comp or health insurance.


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Healthcare Workers

Healthcare employees face slips, falls, and workplace injury risks others rarely consider. Accident coverage fills the gaps that even good employer health plans leave behind.



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Active Individuals & Families

Accidents don't only happen at work. Athletes, parents with active kids, and anyone with an on-the-go lifestyle benefits from round-the-clock accident coverage that works off the clock too.



  • Book a Call with a Realm Health Advisor
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    Is This For You?

    Coverage that goes wherever life takes you.

    Accident is a smart addition to any benefits package — but it's especially powerful for employers in high-activity industries and individuals who want protection beyond their primary health plan.

    This Is For You If:
    • You work in transportation, construction, or a physical role
    • You want coverage that pays on top of — not instead of — your health plan
    • You have a high-deductible health plan with significant out-of-pocket exposure
    • You're an employer looking for meaningful supplemental group benefits
    • You want 24/7 accident protection on and off the job
    • You want cash paid directly to you — not to a provider network
    • If you have children.


    Not For You If:
    • You're looking for a primary health plan replacement
    • You only want coverage for workplace injuries (workers' comp)
    • You prefer a fully self-managed, no-support plan

    Frequently Asked Questions

    Common questions about Accident coverage.

    Quick answers about 24/7 accident coverage, how cash benefits work, and what's included.

    Yes. Realm Health Accident provides 24/7 coverage for accidents that occur on or off the job — at work, at home, on the road, or anywhere life takes you. Unlike workers' compensation, which only covers workplace injuries, your accident benefit goes everywhere you do.
    It means your Accident benefit is not reduced based on what other insurance pays. If your primary health plan or workers' compensation already covers part of a claim, Realm Health still pays your full benefit. No offsets. No reductions.
    Accident covers a broad range of accident-related events and expenses including emergency room and urgent care visits, hospitalization, surgery and anesthesia, fractures and dislocations, lacerations and burns, and physical and rehabilitation therapy.
    Every Realm Health Accident plan includes an annual wellness benefit that pays even when nothing goes wrong. It rewards members for proactive health maintenance — meaning your accident coverage works for you year-round, not just after an incident.
    Yes. Realm Health is the fastest-growing benefits solution in transportation. Truck drivers, delivery workers, and logistics employees face elevated daily risk on the road — and Accident provides 24/7 cash benefits that fill the gap left by workers' comp and standard health insurance.


    Accidents don't wait.
    Neither should your coverage.

    Start a conversation with a Realm Health advisor. We'll walk you through Accident coverage, how it layers with your existing plans, and how to build a complete protection package for you or your team.


    Book a Call with a Realm Health Advisor

    Confidential · No obligation · No spam · Info@RealmHealth.com

    What Happens Next

    A Simple, Low-Pressure Process

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    We Learn About You

    A Realm advisor learns your business, team, and goals — no jargon, no pressure.

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    We Identify Opportunities

    We find ways to simplify, protect, and improve your healthcare approach.

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    We Outline Next Steps

    If it makes sense, we move forward — clearly and at your pace. No hard sell.

    Get In Touch

    Have Questions About Your Coverage?

    Our team is ready to help you find the right plan. Whether you have a question about enrollment, benefits, or pricing — we're just a message away. No obligation, no pressure.

    • Guaranteed issue — no medical underwriting required
    • Coverage starts on the first of the month after the date of enrollment
    • Licensed in 48 states. Realm Health and our agents are not licensed in NY and WA
    • Confidential — your information stays private