Accident Protection Plan

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 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.

You can read the 2024 Accident Protection Plan benefits summary here and watch a video about how the plan works.

Two Coverage Tiers

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

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.

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