Almost everyone is a good candidate for accident insurance. Policies typically offer individual or family coverage. For those who do not have and cannot afford regular health insurance, accident health insurance is a low-cost alternative. It also makes a wise supplement for those who already have health insurance. As mentioned earlier, health insurance may not cover all of the expenses incurred from an accident or injury.
Many employers also encourage their employees to purchase accident health insurance. Workman’s comp benefits may only pay so much. An accident health insurance policy will protect you further, ensuring that you have the financial resources you need to support yourself and your family.
This type of coverage may also be valuable if you have a high-risk job or if you participate in high-risk activities and sports, such as skiing, bungee jumping, or sky diving. Make sure your policy does not exclude particular activities you enjoy.
source: http://insurance.lovetoknow.com/Accident_Health_Insurance
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