NCD Launches NCD AccidentPrime to Expand Supplemental Health Portfolio and Help Groups, Individuals and Families Prepare for the Unexpected

The Accident Medical Expense plan, underwritten by Zurich American Insurance Company, offers first-dollar benefits with no deductibles and flexible coverage levels

DALLAS, Sept. 3, 2025 /PRNewswire/ -- NCD, a national leader in supplemental and ancillary health insurance solutions, today announced the launch of NCD AccidentPrime, a new Accident Medical Expense (AME) insurance solution designed to provide groups, individuals, and families reliable financial protection when accidents disrupt everyday life. The plan is underwritten by Zurich American Insurance Company, a global leader in accident and health insurance.

"Our collaboration with NCD enables us to combine our innovative Accident & Health solutions with their dynamic market reach," said Farah Rehman, Head of Accident & Health. "Together, we are setting new standards in how insurance can be more accessible, responsive, and tailored to the needs of today's customers."

With NCD AccidentPrime, NCD extends its mission of driving better health and providing exceptional experiences into a new category of protection for the company. As the healthcare landscape continues to shift, especially for those with high-deductible or ACA plans, NCD AccidentPrime gives members a safety net they can count on, without the hassle of deductibles or complex reimbursement rules.

"This product reflects the reality so many families face today—having insurance that doesn't fully kick in until after thousands in out-of-pocket costs," said Sam Melamed, Chief Executive Officer at NCD. "NCD AccidentPrime offers meaningful protection at an affordable price, and fills a real need for millions of individuals and families."

NCD AccidentPrime at a Glance:

• Underwritten by Zurich American Insurance Company
• Guaranteed issue—no medical exams or health questions
• No deductible or waiting period—benefits start immediately
• Pays benefits directly to the member
• Flexible coverage levels: $5,000, $7,500, $10,000, or $15,000 per Accident
• Covers ER treatment, emergency transport, imaging, follow-up care, and more

As part of the launch of NCD AccidentPrime, NCD has been selected by the National Wellness & Fitness Association (NWFA) to make NCD AccidentPrime an additional available benefit to its members.

The NWFA is a national non-profit organization dedicated to promoting the health, fitness, and overall well-being of its members and their families. NWFA members enjoy access to a variety of year-round benefits and services, including wellness educational resources and fitness programs, a personalized AI fitness coach, savings on health and related consumer products, and access to member-only insurance products. Additionally, the NWFA provides advocacy opportunities so members can have a voice on issues to positively impact their lives as well as charitable initiatives to directly improve the wellness of the communities the NWFA serves.

The product is available now to members of the NWFA through NCD's national network of licensed agents and agency partners.

"At NCD, we always look to create simple, high-impact solutions they can confidently recommend," said Ben Harrison, Chief Revenue Officer at NCD. "NCD AccidentPrime is built with that in mind—it's straightforward, fills a clear coverage gap, and supports members when they need it the most."

Real Protection for Real Life
From active families to cyclists and DIY enthusiasts, NCD AccidentPrime is designed for how people live and how accidents actually happen. With NCD AccidentPrime, Members can focus on recovery, not unexpected medical bills.

This launch follows NCD's 2024 acquisition of Tenure Health, underscoring the company's continued investment in smart, member-first innovation across new health protection categories.

About NCD
NCD is a leading provider of innovative dental, vision, and supplemental health insurance solutions designed to enhance access to affordable, high-quality care for individuals and families nationwide. The company is recognized for delivering best-in-class customer service, developing forward-thinking benefit designs, and empowering groups, individuals and families to take control of their health. Learn more at www.ncd.com.

Media Contact
Ariana Bacigalupo
Associate Director of Executive Services
[email protected]

SOURCE NCD