Accident Insurance: The Lump Sum That Pays When You Get Hurt
Accident insurance pays a fixed benefit for covered accidental injuries — regardless of your other insurance. Here is how it works and whether you need it.
Accidents are the fourth leading cause of death in America and the leading cause of death for people under 45. Accident insurance pays a fixed benefit when you suffer a covered accidental injury — regardless of your health insurance. Here is how it works.
What Accident Insurance Covers
Accident insurance pays fixed benefits for covered accidental injuries including: fractures, dislocations, lacerations, burns, concussions, eye injuries, and accidental death. The benefit amount depends on the type and severity of the injury.
How Benefits Are Paid
Benefits are paid directly to you, not to the hospital or doctor. You can use the money for any purpose — your deductible, copays, lost income, or any other expense. Benefits are paid regardless of your other insurance.
What It Costs
Accident insurance is one of the most affordable supplemental insurance products. Individual coverage typically costs $15-$30/month. Family coverage typically costs $30-$60/month.
Who Needs It Most
Accident insurance is most valuable for: families with children (higher accident risk), athletes and active individuals, people with high-deductible health plans, and people who cannot afford to miss work due to an injury.
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