Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs.
Accident insurance will pay a benefit for a wide variety of covered injuries that may or may not be serious over the long term.
If you experience a covered accident, you could receive a cash benefit, according to a benefits schedule. The amount you receive depends on your benefits packaged per injury and related treatment from your insurer.
What Is Covered By My Policy?
Examples of covered injuries are:
How Can I Use My Benefits?
Accident insurance provides a lump sum cash benefit that you can use however you want. Typically the benefit is used to help with out-of-pocket expenses such as copayments or prescriptions that might not be covered by your health insurance.
How Much Will I Receive?
If a claim is approved, a check is sent for covered injuries, such as fractures or dislocations. The check can be used for costs related to those injuries, such as fees for emergency room or out-patient visits.
The benefit depends on the site and severity of the injury in addition to how the injury was treated and what coverage amount you selected when you enrolled.
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