Accident Insurance Plans

Accident Health Insurance Keeps Premiums Low And Coverage High

You may be aware that health insurance plans with high deductibles typically cost less in premiums. What do you do about all of those bills you'll have to pay until that deductible is met? Many people don't realize just how cheap personal accident insurance is, or how much it covers.

Of course, accident health insurance doesn't cover you if you get sick, but it can take the sting out of accidental injuries. For just $22 a month, you're covered for medical bills up to $5,000 for injuries.

According to a 2007 National Hospital Ambulatory Medical Care Survey, 26 million of us needed to go to the emergency department for unintentional injuries. Even with a high-deductible policy to keep premium costs down, you only have to shell out $100 for the deductible with accident insurance. That goes a long way toward eliminating the threat of high-deductible health insurance.

Accident Health Insurance Has A $100 Deductible

On a low $100-deductible plan, you can get $5,000 of coverage for accidental injury for only $22 a month. You can get the same protection for your family for $35 a month. And, the "accident prone" are not discriminated against because in the worst-case scenario of multiple accidents in a coverage period, you get separate benefits for each event. That's $5,000 per person, per accident!

If you're worried that $5,000 might not be enough, plans are also available with $7,500 and $10,000 of coverage. You can get $10,000 worth of personal accident insurance for $34 a month, or cover your whole family for $47 a month. All of these plans have the same low $100 deductible and come with a 30-day money-back guarantee.

Personal Accident Insurance Completes Your Coverage

With accident health insurance, you are protected from big medical bills in case of the unexpected accidental injury. Since you only have to spend $100 to have a doctor check you out after a fall, a burn, a cut, or whatever, your health is protected. You won't have to risk that wait-and-see period when too many people delay treatment just hoping it's not serious to avoid medical debt.

With accidental injury covered, you can keep your health insurance premiums down by using a high-deductible plan for major medical bills. If you get a new plan after health care reform passed, you'll have preventive care with no co-pay charges or a deductible. Having access to annual exams, cancer screenings, vaccinations and more, without having to budget payments, can help you stay healthy. Take advantage of the covered preventive care so you don't need to spend your hard-earned money for medical bills until your deductible is met.

Accident insurance covers you in the home, where most accidents happen, and at work or at play. Planning a big vacation? You don't have to look for travel accident insurance because your personal accident insurance will cover injuries even if you're out of the country. All of the normal plan provisions still apply when you visit a foreign nation. Accident insurance just ties up your accident & health insurance needs in a neat little package - and it does it with a low price tag.

Accident Insurance Information

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