Accident Insurance

Accident insurance is an extra protection that pays you cash when you suffer an unexpected accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury.

For who?

Accident insurance is popular with people working in environments where the likelihood of a major accident is higher. For example, at construction sites.

 

Do I really need it?

Accidents happen when you least expect them. Even with health insurance, the extra expenses from an accidental injury can really add up. Medical expenses are one of the biggest financial hardships and beyond covering medical expenses, your injury could put you at risk of being unable to work.  What about paying your mortgage, utility bills, and putting food on the table for your family. An accident insurance plan pays you directly in cash without any deductible or extra waiting time after your claim is verified. It gives you a peace of mind and allows you to focus on your health.  You can use the cash to cover any expenses related to your accident — including non-medical expenses, like rent or groceries.

What does accident insurance cover?

Accident insurance can cover you against many injuries and accidents, including:

• Broken bones – caused by an accident
• An accident at home or at work
• Injury caused by violence
• Accidental death
• Total and permanent disability
• Accidental permanent injuries
• UK hospital stays

 

How much money will I get?

The amount of money you receive depends on the diagnosis and severity of your injury. You can use it to cover any expenses related to your injury, such as: emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation or rent.

 

What isn’t covered by individual accident insurance?

Some of the injuries that are usually NOT covered:

• Injuries from sickness or disease
• Injuries caused by reckless or dangerous activities
• Injuries that occur while under the influence of drugs or where alcohol was a significant factor
• Suicide or self-inflicted injury
• Injury incurred while committing a crime