Frequently Asked Questions

Q: What does accident insurance cover?

A: Accident insurance typically covers expenses related to accidental injuries such as burns, broken bones, concussions, dislocations, emergency room visits, hospital stays, surgeries, physical therapy, and more. Some plans may also include coverage for accidental death and dismemberment.

Q: How does accident insurance work with my existing health insurance?

A: Accident insurance complements your primary health insurance plan. It pays benefits directly to you, regardless of other insurance coverage you may have. You can use the money to cover deductibles, copays, or other expenses not covered by your main health plan.

Q: Are there any waiting periods for coverage?

A: For most accidental injury benefits, coverage begins as soon as the policy starts. However, some plans may have a 30-day waiting period for critical illness or hospital admission benefits.

Q: How are benefits paid out?

A: After submitting a claim for qualifying expenses related to a covered accidental injury, benefits are paid directly to you as a lump sum. You can then use this money as you see fit, whether for medical bills or other expenses.

Q: Is there a maximum benefit amount?

A: Yes, accident insurance plans typically have maximum benefit amounts per accident or per year. These limits vary depending on the plan you choose.