Accident Insurance

What Is It?

Accident insurance is supplemental coverage. If a covered accidental injury occurs, the plan may pay a fixed or cash benefit as stated in the policy to help with related expenses.

It is designed to complement, not replace, your major medical health insurance.

How Does It Work?

You pay a premium. If a covered accident occurs, the plan pays the benefit amounts established in the policy for covered services or injuries. Payments may be made regardless of other coverage, according to the policy's terms.

Who Is It For?

For people who want an extra layer of financial protection against accidental injuries. It is not appropriate as your only health coverage.

What Should You Consider?

• Emergency room and urgent care benefits when covered by the policy.
• Hospital or medical benefits related to covered accidents.
• Fractures, dislocations, diagnostic services, or other covered services depending on the policy.
• Fixed-benefit or cash-benefit structures when applicable.
• Policy limitations and exclusions.
• How accident insurance differs from major medical health insurance.
• Benefits, limitations, exclusions, and payment amounts depend on the specific policy.