Based on statistics from several countries, it showed that men are more prone to go to the hospital for an injury, but women of all ages are also being admitted for accidents. Accident insurance plans are equally helpful when you have toddlers who seem to be very prone to accidents.
Personal accident insurance may be even more necessary in these times of high-deductible health plans. It is a very cost-effective way to guard against accident-related hospital bills that your traditional health insurance plan won’t cover until you spend enough to meet the deductible. A stand-alone accident plan can cover you or all the members of your family with a single $100 deductible per person and per incident.
Because the amount of coverage you select is also per person and per incident if all of you happen to get hurt at the same time, you don’t have to worry about exceeding your coverage limits. There are no out-of-pocket costs, like co-pays or co-insurance with accident health insurance as is common with other kinds of health insurance.
Accident insurance plans clearly spell out coverage limits so you don’t have to guess like you do with some “long-winded” health insurance policies. Accident & health insurance plans are simple to understand and that’s why it’s easy to use the benefits. Just see your doctor or go to an urgent care or emergency center within 72 hours of an accident. See for yourself how clear cut accident plan coverage is right here on our website. It’s quick and easy to apply online and get your coverage in place before your next ski trip, too.