Accident Protection Plan

Accident Protection Plan

Optional insurance to help protect you from the high cost and stress of an accident.

Big and small, at work, at play or at home, injuries lead to more than 20 million medical visits each year. This can mean surprise health care bills and a lot of stress. The Accident Protection Plan complements your Medical plan elections to help cope with the financial burden injuries or accidents may cause.

How the plan works
  • The Accident Protection Plan is insurance that pays a lump-sum benefit directly to you after an accident. 
  • The amount of the benefit is based on the covered expenses and treatments you received. 
  • You must be actively at work on the effective date. 
  • Any payment the plan makes is the benefits you receive from your Medical plan coverage. 
  • You can use the money as you see fit – to pay your Medical plan deductible, accident costs or use it for other expenses. 
  • You are not required to be enrolled in a Baker Hughes Medical plan to have Accident coverage.

Click here to read the 2023 Accident Protection Plan benefits summary and watch a video about how the plan works.

New for 2024 - Two Coverage Tiers

If you enroll in the Accident Protection Plan for 2024, you will have the choice of enrolling in the High plan or the Low plan. You will choose your coverage tier when you enroll.

You can read the 2024 Accident Protection Plan benefits summary here.

If you are currently enrolled in the Accident Protection Plan for 2023 and you do not actively enroll in 2024 benefits, your Accident Protection Plan coverage will carry over to 2024 and you will be automatically enrolled in the High coverage tier.

Covered expenses

This a short list of the types of injuries that may qualify for a benefit payment but many other injuries may be covered: 

  • Fractures
  • Dislocations
  • Lacerations (cuts)
  • Loss of fingers or toes
  • Emergency room treatment
  • Hospital stays
  • Transportation
Filing claims

For instructions on filing claims, follow these instructions.

Levels of Coverage
check  Employee Only
check  Employee + Spouse
check  Employee + Child(ren)
check  Employee + Family
UnitedHealthcare (UHC)

Plan Overview Chart

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Related Benefits

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