Accident Insurance

What exactly is a Supplemental Accidental insurance policy?

Accident insurance will pay you a lump sum of money if you incur specific types of injuries as a result of an accident. This type of policy is typically used to help cover the expenses that primary health insurance doesn’t always cover. Accident insurance is similar to disability insurance, but in a more complimentary way. You can still rely on the benefits of accident insurance, even if you aren’t out of work.

Last year, there were 39.5 million physician visits due to unintentional accidents and/or injuries

How Does it Work?

Accident insurance policies work the same way as traditional health insurance plans. You periodically pay a premium, and in return you are able to claim benefits if your injuries meet the guidelines of your policy.

What is covered under an accident insurance policy?

Just as with any health insurance policy, circumstances that are covered vary from plan to plan. Injuries are typically split into multiple categories to help determine the risk and coverage. These categories include:

• Dislocation

• Laceration

• Concussion

• Fracture

• Eye injury

• Burn

• Dental

• Accidental death and dismemberment

The average accidental insurance policy ranges from $6-$20 per month

Is accident insurance worth the money?

Do you enjoy extra money to help cover out-of-pocket health coverage expenses? If you answered yes, which I’m sure you did, then you should consider getting an accidental insurance policy. For the same price of taking your family to the movies, you can get an accidental insurance policy.

Where does Protego fit in?

Our dedicated agents work hard to make sure that all of our clients get the coverage they need at a price point that fits their budget. Whether you’re an individual looking for coverage for you and your family or a business owner looking to extend benefits to your employees, we’ve got you covered!