Accident Insurance

Unintentional injuries account for 21 million medical visits each year, adding up to around $220 billion.

Accident is a broad category and can include everything from slipping on the ladder while you're cleaning the gutters to sustaining burns after a new recipe goes awry in the kitchen. For these and other accidents, there's accident coverage. Sold as a separate policy to people with major medical insurance, accident coverage pays out benefits to your provider for covered accidents up to a maximum limit per calendar year.

Network Flexibility

Freedom to choose network or provider

Cover Losses

Helps cover expenses resulting from an accident

Cash Benefit

Benefit are paid out directly to you

Patient Services

Pays out/inpatient and surgical services

As with any plan type, coverage varies based on the policy you choose. You might receive between $2,500 and $6,500 per person, per accident depending on treatment type and what you're receiving care for. Accident coverage requires you to pay a deductible before the plan pays out benefits, which could be about $250. Covered accidents will also vary but typically include things like burns, concussions, lacerations (deep cuts) and fractures, and covered benefits include medical treatments related to those accidents, such as physical therapy or outpatient surgery. These plans can help alleviate some of the extra cost associated with accidents, even if you have health insurance.