Why Do I Need 24 Hour Accident Coverage?

A simple accident could cost you thousands of dollars, even if you have the best health insurance.  Here's why:

• Whether you are healthy or not, you may have a greater healthcare risk from having an accident than from getting a disease

• Your health insurance policy requires you pay 100% of your Annual Deductable (usually $250 to $5000 or more)

• After you reach your Annual Deductable, most health insurance policies require you to pay Coinsurance of 10%-50% of your medical expenses up to $10,000

• Most health insurance policies do not fully cover Dental, Chiropractic, Ambulance, Prescriptions and other expenses you could incur when you or family member has an accident

• If you have an HRA or an HSA, the money that you have saved could be in jeopardy of being lost because of an accident.

For a $1 a day you can prevent these situations from occurring.  This opportunity is available for everyone regardless of your medical history.  For more information or to apply for 24 Hour Accident Coverage, please click on the link below.

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How And What Does 24 Hour Accident Cover?

If you are healthy and lead a healthy lifestyle or even everyday mishaps, you may have a greater healthcare risk from an injury (i.e. jogging, slipping on ice, yard work or a childs mistake) than from having a disease.

24 Hour Accident Coverage pays only for medical expenses not covered by your health insurance policy when you have an accident.

Covered items include Doctors, Hospital, Dental, Ambulance, Prescriptions, etc. up to the Maximum Benefit you select.

You can obtain 24 Hour Accident Coverage as a Single individual covering only yourself, or as a Family covering your Spouse and all of your Dependents.

The Maximum Benefit is per covered person per accident: With $25,000-Benefit 24 Hour Accident Coverage, a family of 5 could collect up to $25,000 per person six times ($125,000 total) or even more if one person had more than one accident per year.

24 Hour Accident Coverage provides benefits for medical expenses that result from an accident or injury—it does not provide benefits for medical expenses due to an illness.