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Accident Insurance

CAsh benefits to supplement yor major medical insurance policy

Pay your mortgage, major medical premiums or deductible, or help cover other expenses that don’t stop, even when you experience an accidental injury.

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29.2 Million

ER visits for accidental injuries in 2016

$ 2,500

Cost of a non-surgical treatment for a broken leg

$1,573

Average individual 2018 major medical deductible

What does Personal Accident Insurance Cover?

These policies typically pay a fixed amount when you experience a covered accident. Some policies may also provide a monthly disability income benefit. The following lists include common coverages and exclusions, however, you must read any policy you’re considering carefully since this is not an exhaustive list.

What Accident Policies May Cover
  • Sprains, dislocations and fractures
  • Concussions
  • Lacerations, burns
  • Eye injuries
  • Torn knee cartilage
  • Ruptured discs
  • Hospitalization, confinement and inpatient rehab
  • Ambulance, urgent care + ER services
What Accident Policies May Not Cover
  • Self-inflicted injury or sickness
  • Injuries related to pre-existing conditions
  • Procedures that are not medically necessary
  • Procedures not prescribed by a doctor
  • Injuries resulting from war or active duty military service
  • Injuries sustained at work, while under the influence of drugs or alcohol or while participating in a high-risk activity like bungee jumping

Want to Compare Accident Coverage Options + Costs? 

Request a quote, it just takes a minute to see multiple options.

Get a Quote for Accident Coverage

Pros and Cons of Accidental Injury Coverage

​PROS

  • You’re in control – You choose how to use your cash benefits to spend any way you need while you recover.
  • Keep your doctor – You may be able to use any provider or facility with no network limitations.
  • Enroll year-round – There is no official open enrollment period.
  • A plan for every budget – Different levels of coverage may be offered at different price points to meet individual needs.
  • Affordable monthly premiums – Because policies are so limited in what they cover, it’s relatively affordable to maintain this supplemental coverage.
  • No waiting period

CONS

  • Limited coverage + many exclusions – These plans are only meant to cover healthcare services related to accidental injuries that occur under specific circumstances.
  • Premiums are based on age and health – The younger and healthier you are the lower your monthly premium.
  • Not ACA-qualifying major medical coverage – Accidental injury coverage is a form of supplemental insurance. If you need a range of healthcare services you need an ACA-qualifying major medical policy instead.

Want to learn more about coverage options?

Speak with an Agent now!

Call 512-293-6453

Who Could Benefit from a Supplemental Accident Policy?

  • Have a high deductible major medical plan
  • prefer non-obamacare options
  • young adults

How long can you stay on your parent’s plan? Do you really need insurance if you're young and healthy?

Learn the 7 best health insurance options are for young adults and how to decide which one is best for you.

How Accident Insurance Works

  • Pay monthly premiums to maintain your insurance plan.
  • If you receive treatment for an accidental injury, submit a claim to the insurance company as soon as possible.
  • Once the claim is accepted and processed, the benefit payment will be made directly to you.

Combine With Other Insurance Plans for More Coverage

Combine an accident policy with other supplemental health insurance products for more coverage. Hospital indemnity insurance, dental, vision, and critical illness insurance can complement your supplemental accident insurance.

Call 512-293-6453 to speak with an agent to learn

Want to compare Accident Coverage Options + Costs?

Request a quote, it just takes a minute to see multiple options.

Get a Quote for Accident Coverage

How Much Does Coverage Cost?

Because accident insurance is limited in what it covers, premiums are typically low. Premium costs depend on your age and the amount of benefit you choose.

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