Insurance companies offer a wide variety of accident health plans. Most feature flexible designs that allow you to choose coverage that meets your needs. Here are some of the most common types of benefits:
- Accidental Injuries Benefits: Coverage for injuries and losses resulting from an accident.
- Disability or Dismemberment Benefits: These benefits are paid for injuries resulting in a permanent disability, such as dismemberment, loss of hearing or eyesight, and paralyzing fractures.
- Hospital Care Benefits: Coverage to help pay hospital bills and related expenses associated with a covered accident. Costs may include hospital confinement, emergency room treatment, and ambulance or transfer charges.
- Accidental Death Benefits: These benefits will help your family (or beneficiary) carry on in the event of your death. In most cases, such benefits will only be paid if the death was accidental. Death from natural causes is typically not included in the coverage.
The coverage that comes with an accident health insurance policy varies widely. The best plans are those that can be customized to meet your individual needs.
Obtaining a Policy
Insurance companies offer different types of policies and prices vary widely. Before settling on a plan, it is important to shop around to get the best deal possible. Speak to your employer to find out if you receive discounts on supplemental policies purchased through your work benefits program. You may also want to speak with your regular insurance agent or broker. They may be able to offer you multi-policy discounts that will save you a great deal of money.
If you do not have any luck with those avenues, you may want to contact one of these companies. Each offers accident health policies:
- AIG
- Aflac
- Allstate
- CIGNA
- Colonial Life
- Conseco
- Hoovers
- Travel Guard
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