Accident protection insurance is an inexpensive add-on you can purchase to complement your health insurance coverage. Regardless of age, marital status, or occupation, accident protection insurance protects your bank account from being drained by the high costs following an injury.
When you suffer an accident that causes injuries such as:
Policies vary regarding types of injuries covered. However, what’s listed above is what you can expect from the typical accident protection insurance policy.
Once you’ve suffered an accident or injury covered by your plan, your policy will disburse funds to you, either as a lump sum or through monthly payments. These funds aren’t dependent on how much your health insurance covers – you’ll still get your cash benefit even if your health insurance covers 100% of your medical expenses.
Accident protection insurance’s benefits are highly flexible. You can use your cash benefit to cover costs such as:
The exact coverage amounts vary, but since it can cover multiple expenses that may be overwhelming by themselves, this policy’s coverage is far from insignificant.
Accident protection insurance is a must for people with active lifestyles or physical jobs. Each day entails a risk for these individuals, and even if the individual is cautious, the odds of severe injury are never zero. While accident protection insurance doesn’t eliminate the risk of injury, it preserves the policyholder’s financial security following a major accident.
Accident protection insurance is also valuable to health insurance policies that offer minimal coverage or have high deductibles, coinsurance, or copays. It effectively makes your health insurance more extensive and covers the out-of-pocket costs on your behalf.
No two plans are exactly alike. Each company has its own benefits and drawbacks, as well as the steps involved in acquiring the policy. For example, you may have to submit a medical exam. Companies also differ in how they make payments to you. Some will disburse funds all at once, while others provide monthly payments.
These are important details to know if you have strong preferences, and it is a good idea to ask questions about coverage, medical exam submission, and payment schedules before applying.
At The Health Insurance Value, we pride ourselves in making the provisions necessary to keep you in a calm state of mind when life happens. We’ll give you the coverage you need to stay financially secure in the face of piling medical expenses.
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