Accident policies provide coverage for unexpected injuries such as broken bones and emergency room visits. These policies are often offered along-side high deductible health insurance plans and HSA's to help offset out-of-pocket costs associated with accidents including lost wages, medical bills and household expenses. Employees usually pay for the accident coverage with after-tax dollars and the benefits are tax free when paid. Participation is usually voluntary and employees may choose to cover themselves or add their family members. These plans are ideal for families with children and employees who lead an active lifestyle.