Major medical insurance doesn't cover everything
There could also be deductibles, copays, coinsurance and other costs, including caregiver expenses, transportation, lost wages and more.
In one year, 62 million people—about 1-in-5—seek medical attention for accidental injuries.1
Approximately 86% of all accidents in the U.S. happen outside of the workplace—and aren’t covered by workers’ compensation.2
- Fractures and dislocations
- Injuries requiring surgery
- Burns, lacerations
- Disability
- Accidental death and dismemberment
- Hospital and emergency room visits, and more
- Inpatient hospital confinements
- Treatment-related transportation
- Family lodging expenses
- ICU care
This fictional example is provided for illustrative purposes only.
Diane was excited to land her dream job as a police officer in her hometown. When choosing her new benefits, she signed up for an accident policy “just in case.” Two weeks later, Diane was broadsided at an intersection on her drive to work.
As she recovered, her policy paid benefits for the air ambulance, emergency room care, surgery, hospital stay and physical therapy. She also received monthly disability payments until she could return to work.
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