What is Accident Insurance and How Does it Work?
Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs.

Accident insurance plans are purchased like other types of insurance plans. You will pay a premium for your coverage, which will vary based on your location and the specific plan you choose. At eHealth, we offer a variety of accident insurance plans in every state. One of our licensed brokers will be happy to help you find the best plan for your specific needs and budget.

What does accident insurance cover?
Accident insurance covers qualifying injuries, which might include a broken limb, loss of a limb, burns, lacerations, or paralysis. In the event of your accidental death, accident insurance pays out money to your designated beneficiary. While health insurance companies pay your provider or facility, accident insurance pays you directly.

Accident insurance is considered supplemental insurance and is most helpful when it is used in combination with a major medical plan. Your accident coverage will take care of expenses not covered by your medical plan, such as copayments and your deductible. It will also cover non-medical costs like mortgage or rent, utility bills, and other daily expenses.

What does accident insurance cover?
Injuries:
. Burns
. Concussions
. Dislocations
. Fractures
. Lacerations

Services:
. Ambulance
. Hospital Emergency Room
. Physical Therapy
. Urgent Care Center