Young family riding bikes.

Top 5 reasons to get accident insurance

Are you accident prone? Do you have two left feet? Are you all thumbs? It might be time for you to consider Accident Insurance, a type of supplemental health insurance that pays benefits when an injury lands you at the doctor’s office, urgent care or the emergency room. You might be offered this product at work, or you can purchase it directly from an insurance company. Are you curious about Accident Insurance and wondering if it’s right for you? Check out these top five reasons to get covered.

1. It Pays Benefits for Dozens of Injuries, Plus Medical Care and Accidental Death.

From fractures, dislocations and lacerations, to burns, emergency dental work and concussions, Accident Insurance typically pays cash benefits for the most common accidental injuries. A policy may also pay benefits for services related to your care, such as hospital confinement, ambulance benefits, physician’s office visits—and even lodging benefits if a family member needs a hotel room while you’re hospitalized.

2. Cash Benefits are Paid Directly to You.

Unlike major medical insurance that pays benefits to health care providers, Accident Insurance pays cash benefits directly to you or to whomever you choose. This means you can use the money for any need, such as medical bills, living expenses and lost wages while you recover.

3. It Pays Regardless of Other Coverage.

 Accident Insurance isn’t meant to replace the major medical insurance you get through work or purchase on your own. Rather, it’s a complement to this coverage and pays regardless of your current plan.

Accident Insurance can help cover the gaps in your major medical insurance—like deductibles, copays and coinsurance. These gaps can leave you with thousands of dollars in out-of-pocket medical bills after an accidental injury.

4. It’s Great Coverage for Families.

Kids and accidental injuries tend to go hand-in-hand. In fact, there are nearly 3 million emergency department visits for non-fatal injuries among children ages 1–14 each year. This makes Accident Insurance an excellent product for families with active children. Whether your child needs a couple stitches, has a broken arm or needs care for a burn, Accident Insurance may help you manage the resulting medical bills. 

5. It’s Easy to Use.

Here’s how simple it is to use Accident Insurance:

1. THE UNEXPECTED HAPPENS: It’s a great day to hit the slopes…until you take a spill and feel a painful crack in your knee.

2. YOU GO TO THE HOSPITAL: You go to the emergency room and X-rays reveal you dislocated your knee.

3. ACCIDENT INSURANCE HELPS WHEN YOU NEED IT MOST: Your policy pays cash benefits directly to you. You use the money to help cover your health insurance deductible and lost wages while you recover.

Want more? Check out our blog, Top 4 reasons to get hospital indemnity insurance.

We’re Here to Help!

Are you interested in learning more about Accident Insurance? Washington National agents are here to help! Find a local Washington National agent here.