A simple mistake or loss of concentration can cause a disaster. Accidents happen all the time no matter how careful you may be. You could have an allergic reaction to a bee sting or trip getting out of the tub – just about anything is possible. This is why you might want to consider accident insurance.
Some employers add an accident policy to a comprehensive health plan. This makes it easier for employees to get help if they suffer a severe or debilitating injury. It helps when the patient must pay for any expenses not covered by their traditional healthcare policy.
Your healthcare plan covers a percentage of your medical expenses, but that might still result in a huge bill for you. Additional coverage specifically for accidents can cover needs that fall between the gaps of the standard plan. This can include expenses such as wheelchairs, crutches, and other mobility items. You can possibly get help with co-payments and deductibles, long-term treatment and physical therapy, and food and household items
You need to speak with an insurance agent to learn what exactly is covered by an accident policy. Just keep in mind that what you get can vary by agency.
Accident insurance plans are flexible. They offer a range of value limits on payouts. You should be able to tailor a policy to meet your needs. Keep in mind that some policies are limited to covering work-related mishaps. If you need more extensive coverage, specifically ask for what you want.