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Accident Insurance from
Physicians Mutual Insurance Company

The Smart Choice Accident Insurance Plan from Physicians Mutual Insurance Company offers important protection for unexpected medical bills if you have an accident. And accidents do happen. In fact, every second, someone is injured in an accident, and the cost can be high due to loss of work, hospitalization or even death from injuries.

Put a "Safety Net" in Place

Smart Choice is a simple and affordable hospital accident plan that can be a "safety net" for you and your family if you have an accident.

You can receive up to:*

  • $7,500 ($750 a day for up to 10 days) for a covered hospital stay
  • $15,000 ($1,500 a day for up to 10 days) for a covered Intensive Care Unit (ICU) stay
  • $50,000 of covered accidental death protection (or $25,000 if you're age 75 or older)

Plus, Receive Exclusive Loyalty Rewards

This coverage also comes with our exclusive Loyalty Rewards benefit. After you've owned the insurance for one year**, you can get a check for $50. Then, you can receive $250 for every five-year anniversary, for as long as the coverage remains in force. So, you're guaranteed to receive money, even if you never have an accident. And, you can use the money as you like.

It's Easy to Make a Smart Choice

To put your "safety net" in place, simply sign up online. It's fast, easy and secure. Plus, you have 31 days to review your insurance policy without obligation. So, there's no risk — and no reason to wait.

Time Saver: See our Smart Comparison chart for a quick and easy comparison of plan and benefit options to help meet your needs.


We're Here to Help

If you still have questions, our telephone agents are here to help. Call us toll-free at 1-800-679-5257.

Learn more about this insurance and what's not covered.

* Based on our Preferred Plan coverage for an individual
**In ID: 13 months
Statistics from: "Injury Facts®," National Safety Council, 2012

This offer not available online in KS. For more information or to apply, please call 1-800-679-5257. This offer is not available to CA residents age 65 and over.

Insurance Policy/Rider kind: P525/B411/B412 (ID: P525ID/B411Q/B412Q; OK: P525OK/B411W/B412W; TN: P525TN/B411F/B412F)

Additional Resources

Accident Facts (PDF)

Smart Comparisons (PDF)