Pay your mortgage, major medical premiums or deductible, or help cover other expenses that don’t stop, even when you experience an accidental injury.
These policies typically pay a fixed amount when you experience a covered accident. Some policies may also provide a monthly disability income benefit. The following lists include common coverages and exclusions, however, you must read any policy you’re considering carefully since this is not an exhaustive list.
Sprains, dislocations and fractures
Torn knee cartilage
Hospitalization, confinement and inpatient rehab
Ambulance, urgent care + ER services
Self-inflicted injury or sickness
Injuries related to pre-existing conditions
Procedures that are not medically necessary
Experimental or investigational procedures
Procedures not prescribed by a doctor
Injuries resulting from war or active duty military service
Injuries sustained at work, while under the influence of drugs or alcohol or while participating in a high-risk activity like bungee jumping
Are you stuck with a high deductible health plan, wondering how to pay for your deductible should you need to use your insurance?
Medical Gap can help by paying a lump sum benefit that can be used towards your HDHP deductible.Learn more
Can you buy health insurance that isn’t Obamacare? Yes.
It’s important to note that Obamacare alternatives are not comprehensive health plans and have less coverage than Obamacare plans.Learn more
How long can you stay on your parent’s plan? Do you really need insurance if you're young and healthy?
Learn the 7 best health insurance options are for young adults and how to decide which one is best for you.Learn more
Pay monthly premiums to maintain your insurance plan.
If you receive treatment for an accidental injury, submit a claim to the insurance company as soon as possible.
Once the claim is accepted and processed, the benefit payment will be made directly to you.
Combine an accident policy with other supplemental health insurance products for more coverage. Hospital indemnity insurance, dental, vision, and critical illness insurance can complement your supplemental accident insurance.
Call 888-855-6837 to speak with an agent to learn
Because accident insurance is limited in what it covers, premiums are typically low. Premium costs depend on your age and the amount of benefit you choose.
 National Hospital Ambulatory Medical Care Survey: 2016 Emergency Department Summary Tables. (2016). Obamacare Facts. Retrieved 10 May 2019, from https://www.cdc.gov/nchs/data/nhamcs/web_tables/2016_ed_web_tables.pdf