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What’s accidental injury insurance?
It’s coverage that helps pay for medical costs after unexpected injuries.
Primary health insurance doesn’t always fully cover expenses related to major injuries. So you and your family could owe thousands in bills.
Accidental injury insurance helps fill the gap.
Examples of when it can help
- If you get injured while participating recreationally in a sport like rock climbing, skiing or horseback riding
- When childhood injuries go beyond bumps and bruises
- If you have a health insurance plan with a high deductible
- If you need rehab after an accident but your medical plan won’t pay for it
What does it cover?
Accidental injury insurance reimburses you for these costs and more with no deductible:
- Emergency care, including ambulance expenses
- Lab tests and X-rays
- Hospital stays, including VA hospitals
- Doctor visits
Accidental injury FAQ
Your primary health insurance likely covers medical services related to accidental injuries. But you may have to make copayments or meet a large deductible before it starts to pay.
That’s where accidental injury insurance can help. It can cover the gap by reimbursing you for services that your health plan doesn’t pay for.
Plus, you can have claim payments sent directly to you, so you can use the money however you want.
For example, you can use it to make rent or mortgage payments if you need to miss work due to the accident.
You’ll file a claim with the insurance company. Then you can choose whether they send reimbursement payments directly to you or to your medical provider.
Depending on the insurer, you can file claims electronically or by email or fax.
If you’re under 65, you can sign up for a policy. If you continue to pay premiums on time, your policy will renew every year until you turn 70, then it’ll end.
Generally, you can add dependent children starting at birth and they can stay on the policy until they turn 26. But some states may have different rules.
