You may think that business people who travel extensively need accident health insurance. These plans cover injuries whether you’re traveling for work or on vacation. What about athletes like snowboarders and skiers? You’re right again, but really who is so immune to accidental injury that they couldn’t use an accident plan?
More people are hurt in their own homes rather than on the job. It’s not just seniors either. Although the elderly are more likely to lose their balance and suffer broken bones, many people find out the hard way that it’s easy to break a bone walking or running. Stress fractures most often occur in the toe, foot or ankle. The risk is even greater if you are overweight.
Personal accident insurance isn’t just for individual coverage. Plans are available to cover families with growing children to help keep up with broken arms from climbing trees and general rough housing. Family plans cover each member and every accident. If you’re accident prone, you don’t pay any more than the safest policyholder.
With the high rate of accidents occurring at home, accident insurance may be the most practical form of insurance. Fortunately, it’s also the most affordable. Coverage starts at $2,500 to $10,000. Both plans have $100 deductibles. At those rates, just about everyone can get accident insurance.
