Accident coverage can be a wonderful addition to your family’s health coverage, especially if your health insurance policy has a deductible of $2000 or more. This benefit can pay some or all of your deductible, and do it in a very cost effective way. Free Accident Policy Quotes available in Missouri and Illinois.
An accident policy provides your family members with $2000 to $10,000 per accident , after you pay a $100 or $200 deductible. This is 24-hour protection for any type of accident at any hospital or licensed medical facility throughout the world. This program coordinates benefits with any other health insurance coverage you may have, or if you have no health insurance policy at all.
If you have no health insurance or your health insurance policy has a $2000 deductible or more AND:
The monthly premium for accident coverage ranges from $26.50 to $53.95 per month (for the entire family), depending on the level of benefit. This is much lower than the premium for a low deductible health insurance plan.
Should one of your family members suffer an accident and your health insurance deductible (say, $2000) has not been met, the claim is credited towards your health insurance deductible, but then is paid by the accident policy! (Of couse, you still have to pay the $100 or $200 accident insurance deductible, but you’re still saving $1900 or $1800!)