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Accident Insurance Coverage

The world of insurance can be complex. Understanding the various types of insurance and which options are best for you are the first steps toward better support. Accident insurance coverage can be a great addition to anyone’s coverage goals because accidents don’t discriminate against whom they impact. Here’s what accident insurance coverage is, what an accident insurance plan covers, and the benefits this type of plan offers.

What is accident insurance coverage?

An accident insurance plan aims to provide support amidst life’s most surprising moments. It’s important to note that most of the time one must own a major medical plan to access supplemental accident insurance. Accident insurance works with your primary health insurance plan to help with the costs that can accompany an unexpected covered accidental injury.

It’s not uncommon for your major medical insurance plan to leave you with high out-of-pocket costs. Supplemental accident insurance helps provide peace of mind when new and unexpected injury costs pop up.

What does accident insurance help cover?

Every accident insurance plan is different, so you’ll need to take a close look at all of the plans you are considering. However, Aflac’s accident insurance plan helps cover a variety of services from emergency situations to more common accidents. It can help with treatments and procedure needed to restore your health from an unexpected accident. There can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless assigned), which can be used however you see fit.

If you have additional questions about what accident insurance covers, you can always reach out to an Aflac agent for more information. Plans have limitation and exclusions.

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What does personal accident insurance cover?

It’s important to note that there are personal and group accident insurance plans available at some organizations, including Aflac. The specific coverage options vary from company to company, but you may be able to expect the same coverage in both personal and group accident insurance plans.1

How much does accident insurance coverage cost?

Like many of Aflac’s supplemental insurance plans, accident insurance costs are relatively low and fit into most budgets.

For example, a broken arm or leg can cost thousands of dollars. 2 Your major medical insurance plan may pay for a certain percentage of treatments and services required, but not all. Applying for an accident insurance plan at a low monthly cost can help offset any out-of-pocket costs you may be expected to pay after an accident occurs.

Benefits of getting accident insurance

There are a handful of important benefits and advantages that accident insurance coverage can reward you if planned correctly:

  • An extra layer of protection: this can help fill the holes that your primary insurance may not cover, helping with accidents big or small. These plans help cover a wide range of costs associated with the accident at hand.
  • The benefits can help cover out-of-pocket expenses: In addition to helping cover directly-related services and treatments, you may be able to use benefits to pay for everyday expenses, like groceries, rent, and utilities.
  • Help gives you peace of mind: Unfortunately, we can never know if an accident will happen. Having accident insurance coverage helps provide greater peace of mind amidst uncertainty.

Get a quote for Aflac accident insurance

Now that you have a better idea of what accident insurance helps cover, you may want to explore Aflac Accident Insurance more in-depth. Chatting with an agent and getting a quote can help you visualize the entire process.

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