Hola Murphy

I purchased Murphy. What am I covered for?
We believe that if something can go wrong, you should be covered (and paid).
From the moment your policy becomes effective, your Murphy accident insurance will offer you a series of high-level benefits. These are the most important benefits:
- - Coverage of up to $ 25,000 in case of damage due to felonious assault.
- - Coverage of up to $ 25,000 in case of accidental death and / or dismemberment (AD&D).
- - Coverage of up to $ 15,000 in accidental medical expenses.
- - Coverage of up to $ 150 per day of hospital confinement (with a maximum of 180 days).
- - $3,000 Bone fracture coverage included.
- - Coverage in case of coma $25,000.
- - $10,000 in home alteration and vehicle modification
- - $5,000 for education expense in case of disability.
Click here for the full list of benefits
Benefit Summary

If injury to a Covered Person results, directly, and from no other cause, from a Covered Accident and within the Time Period for Accident shown in the Schedule of Benefits, in any one of the losses shown herein, We will pay the Benefit Amount shown on the Schedule of Benefits for that loss. Except as specifically provided herein, if multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
- Death 100% of the Principal Sum
- Paralysis, Quadriplegia or Paraplegia 100% of the Principal Sum
- Dismemberment of Both Hands 100% of the Principal Sum
- Dismemberment of Both Feet 100% of the Principal Sum
- Loss of Sight of Both Eyes 100% of the Principal Sum
- Dismemberment of One Hand and One Foot 100% of the Principal Sum
- Dismemberment of One Hand and Sight of One Eye 100% of the Principal Sum
- Dismemberment of One Foot and Sight of One Eye 100% of the Principal Sum
- Loss of Speech 100% of the Principal Sum
- Dismemberment of One Hand or One Foot 50% of the Principal Sum
- Loss of Sight of One Eye 50% of the Principal Sum
- Loss of Hearing in One Ear 25% of the Principal Sum
- Loss of hearing in Two Ears 75% of the Principal Sum
- Loss of One or more Fingers (excluding Thumbs) 25% of the Principal Sum
For the purposes of this Benefit, the following definitions apply:
- Quadriplegia means total Paralysis of both upper and lower limbs.
- Paraplegia means total Paralysis of both lower limbs or both upper limbs.
- Paralysis means total loss of use of one or more limbs. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted.
- Dismemberment of One Hand or Foot means complete Severance through or above the wrist or ankle joint.
- Loss of Sight means the total, permanent Loss of Sight of one or both eyes that is irrecoverable and cannot be corrected by any means.
- Loss of Speech means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means.
- Loss of Hearing means total and permanent Loss of Hearing in one or both ears that is irrecoverable and cannot be corrected by any means.
- Loss of a Thumb or Finger means complete Severance through or above the metacarpophalangeal joints of the hand (the joints between the fingers and the hand).
- Severance means the complete separation and dismemberment of a part of the body.
- *BENEFITS AND COVERAGE VARY BY STATE
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Who is Murphy?

Contrary to what some may think, Murphy is not an Irishman. We are a diverse group of tech nerds, design lovers, and creative insurance minds. Our name was inspired by Murphy’s Law: If anything can go wrong, it will go wrong. We believe that if something can go wrong, you should get paid! Murphy is backed by one of the most progressive and innovative insurance companies in the world. Click on Our Story for more information.
Where is Murphy available?

Alabama, Arizona, Arkansas, Georgia, Illinois, Louisiana, Mississippi, Nevada, North Carolina, Oklahoma, Oregon, Florida, Indiana, Kansas, Michigan, New Jersey, South Carolina, Texas, Kentucky, Utah, Washington, California, Pennsylvania. More states coming soon…
When does my coverage begin?

Your coverage begins the day after you purchase it at 12:01AM. So if you bought your Murphy policy Wednesday at 4:00 PM, it will become effective the next day, Thursday, at 12:01AM.
Are medical exams required to get approved?

No, the entire process of getting a Murphy policy is online. The qualification process is very simple due to Murphy being a guaranteed issue policy.
The best thing is that there is no document review, no questions about your health status, and no medical exams.
How do I apply?

It’s as easy as answering some questions and you’ll be approved in no time. (Really, it takes like 3 minutes.) Just click here!
More Questions?

Everybody’s got questions

Get covered

Benefit Summary

Covered Loss Benefit Amount