Accident Insurance Accident insurance is designed to help you meet the out-of-pocket expenses and extra bills that can follow an accidental injury. It can be used however you want, and it pays in addition to any other coverage you may already have. Learn More About Accident Insurance Critical Illness Insurance Critical Illness insurance provides cash benefits if you or your spouse is diagnosed with or treated for a covered illness such as cancer, a heart attack or a stroke. Learn More About Voya Critical Illness Insurance