A single misstep or a momentary loss of focus can have severe consequences. Accidents are always a possibility for those living any lifestyle. Slipping in the shower or undergoing an allergic reaction to a bee sting are just two examples of potentially life-threatening incidents that can happen without anyone being at fault. These are exactly the type of injuries that accident insurance covers.
Employers may add an accident policy to a broader health plan to help employees get more coverage for severe or debilitation injuries. Many types of accidental injuries are not attributed to a particular cause or responsible party, so the patient must pay for any expenses not covered by a standard policy.
Expenses Covered By Accident Insurance
Even if a patient’s health plan already covers most of the medical expenses, that might not even come close to covering the full cost of an accident. Extra insurance specifically for accidental damages can cover essential needs that fall between the gaps of the standard plan, including:
Mobility devices, including wheelchairs and crutches
Co-payments and deductibles for other policies
Ongoing treatment and physical therapy
Food and necessary household items
The exact items covered by accident policies depends on the policy as well as the insurer. In many cases, this type of policy adds a lot of extra protection on top of standard policies provided as part of workplace benefits.
Flexible Policy Options
Available insurance plans are quite flexible, including a wide range of value limits on payouts. Policies can be tailored to meet the needs of the individual, including coverage for accidental death to take care of family members left behind. Some policies may be limited to only covering work-related accidents, while others encompass incidents that occur anywhere.