Accidents can happen at any time. But you can prepare for life's twists and turns with an accident insurance plan and get coverage as soon as the next day.
Accident insurance is a supplemental plan that helps pay for out-of-pocket medical expenses or a bodily loss resulting from a covered accident.
Designed to help you manage the high costs of care following a covered accidental injury and a help pay for expenses not covered by other insurance. Although an AME plan is not the same as major medical insurance that provides comprehensive health coverage, it offers extra benefits that can help supplement a major medical plan.
Pays benefits for the loss of life or the loss of certain body parts or function (e.g. limbs, eyesight) resulting from a covered accident. It’s designed to help ease the financial stress you or your loved ones may face if an unexpected accident leaves you with a disabling injury or causes your death.
Carol has an AME plan with a benefit amount of $10,000 and a deductible of $250. She later falls and breaks her arm and has covered injuries amounting to $5,000. After paying the deductible, Carol’s plan pays up to the full remainder of her covered costs.
Mark enrolls in an AD&D policy with a benefit amount of $100,000. He later has a covered accident resulting in the loss of a hand. Mark files a claim within the benefit period (usually 365 days of a covered loss) and his policy pays him $50,000 (50% of the benefit amount). If Mark dies within the benefit period, his beneficiary receives 100% of the benefit amount.
Accident plans vary by carrier. Refer to your policy for specific plan details.
You choose the amount of coverage you want to fit your budget.
Benefits for covered injuries and losses are paid directly to you, which can help ease the financial stress of an accident.
You can enroll any time of year and get coverage as soon as the next available effective date.
Reimburses you for medical expenses you pay due to a covered accidental injury. Plans pay up the maximum benefit amount you choose after you meet your deductible.
Pays you or your beneficiary a cash benefit, up to the coverage amount you choose, for covered claims submitted within the benefit period.
You can’t foresee all the things that can interrupt normal life. But if an accident happens, we can help make sure waiting to get paid won’t slow things down so you and your loved ones can keep up with living expenses.
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SHORT TERM MEDICAL INSURANCE AND LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE ARE INSURANCE OUTSIDE OF THE AFFORDABLE CARE ACT (OBAMACARE). SHORT TERM MEDICAL INSURANCE AND LIMITED BENEFIT MEDICAL DO NOT COVER PRE-EXISTING CONDITIONS AND DO NOT INCLUDE ALL TEN OF THE MINIMUM ESSENTIAL BENEFITS OF OBAMACARE. LIMITED BENEFIT MEDICAL INSURANCE IS DESIGNED TO PROVIDE ADDITIONAL BENEFITS TO SUPPLEMENT MAJOR MEDICAL INSURANCE.
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The health insurance market has changed significantly over the years. Learning Center Articles reflect the market at the time they were published and may no longer be applicable.”