Serious injuries can happen at any time, whether your playing soccer or cooking dinner. It doesn't matter how healthy you are, accidents affect us all. In fact, the most active individuals are often the most at risk.
Accidents occur more frequently than you might think. Each year, over 31 million people are treated in hospital emergency rooms for unintentional injuries. Accident insurance can help keep you keep you prepared for the unexpected.
What does accident insurance cover?
Even with excellent major medical coverage you will still likely have out-of-pocket expenses like deductibles and coinsurance. Accident insurance is meant to help ease those burdens. The cash benefit from this coverage is provided regardless of what other coverage you have.
Some common situations that accident insurance can help cover include:
Injuries such as broken bones, concussions, and lacerations
Transport by ambulance
Accident Insurance Features
No network restrictions No waiting period to use your benefits No overall lifetime limits Customizable based on budget and specific need
How Does Accident Coverage Work?
An accident policy reimburses you for a covered accident. You are reimbursed for the costs associated with a covered accident. This coverage is separate from any other health insurance you may be enrolled in.