Emergency Care
Some policies may provide benefits for covered emergency room visits or urgent treatment after an accident.
Accident Insurance Coverage for life's unexpected moments.
Accident insurance can provide fixed cash benefits for certain covered injuries and related services. Compare coverage based on benefits, costs, and how the policy may work alongside your health insurance.
How it works
What is accident insurance?
Accident insurance is supplemental coverage designed to provide fixed cash benefits when certain covered accidental injuries occur.
It does not replace major medical health insurance. Instead, it can provide additional financial protection when an accident leads to medical treatment or other unexpected expenses.
Benefit amounts and covered services are determined by the terms and benefit schedule of the policy.
Potential benefits
What can accident insurance help cover?
Covered events and benefit amounts vary by policy, but accident insurance may provide benefits for a range of accident-related services.
Fractures & Dislocations
Covered fractures or dislocations may qualify for fixed benefits based on the policy's benefit schedule.
Ambulance Services
Certain plans may provide benefits for covered ground or air ambulance transportation.
Diagnostic Testing
Benefits may be available for certain covered diagnostic services related to an accidental injury.
Hospital Care
Some accident policies may include benefits for covered hospital treatment following an accident.
Follow-Up Treatment
Depending on the policy, benefits may be available for certain follow-up visits, therapy, or other covered services.
Who may consider it
Who might consider accident insurance?
Accident insurance may be worth considering if an unexpected injury could create a meaningful financial burden for you or your household.
- You have a higher health insurance deductible
- You have children involved in sports or active hobbies
- You participate in recreational activities
- You want additional protection for unexpected injuries
- You want coverage that supplements your health insurance
Important details
What should you review before choosing a policy?
Accident insurance policies can vary. Before choosing coverage, review when benefits are payable, how much the policy pays, and what exclusions or limitations may apply.
- Covered injuries and services
- Benefit amounts
- Benefit limits
- Exclusions and limitations
- Waiting periods, when applicable
- Monthly premium
How we help
See how accident coverage fits with your health insurance.
We can help you compare accident insurance options based on benefits, costs, covered events, and how the coverage may complement your existing health insurance.
- Compare available accident insurance options
- Review covered injuries and services
- Understand benefit amounts
- Review exclusions and limitations
- Compare premiums
- Ask questions before making a decision
Looking for additional protection related specifically to hospital stays? Learn about hospital indemnity insurance .
Frequently asked questions
Accident Insurance FAQs
Is accident insurance the same as health insurance?
No. Accident insurance is supplemental coverage and is not a replacement for comprehensive major medical health insurance.
How are accident insurance benefits paid?
Benefits are generally paid according to the fixed amounts and terms listed in the policy when a covered accidental injury occurs.
Does accident insurance only cover hospital stays?
Not necessarily. Depending on the policy, covered benefits may include emergency treatment, fractures, ambulance services, diagnostic testing, hospital care, and other accident-related services.
Can accident insurance work with my health insurance?
Accident insurance may be purchased as supplemental coverage alongside major medical insurance, subject to carrier, state, eligibility, and policy requirements.
Can accident benefits help with expenses outside of medical bills?
Depending on the policy structure, benefits may be paid directly to the insured and may help with a variety of expenses.
Can Health Accident Life help me compare accident insurance?
Yes. We can help you compare available options and understand benefits, costs, covered events, exclusions, and policy limitations.
Looking for extra protection against unexpected injuries?
We can help you review available accident insurance options and understand how they may fit alongside your current health coverage.
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