how does accident insurance work?
A set amount is payable based on the injury you suffer and the treatment you receive. Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit. Coverage is available for you, your spouse and eligible dependent children. You do not need to answer medical questions or have a physical exam to get basic coverage. Accident insurance covers injuries that happen on the job or off the job — unlike workers’ compensation, which only covers on-the-job injuries. Benefit payments are not reduced by any other insurance you may have with other companies.
what does accident insurance cover?
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
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Example Scenario
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
sample reimbursements
- Ground Ambulance: $300
- Emergency Room: $150
- X-Ray: $50
- MRI: $150
- Hospital Stay – Admission + 5 days: $2,000
- Dislocated Hip: $3,000
- Appliances: $100
- Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
ACCIDENT PLAN DOCUMENTS
ACCIDENT CONTACT INFORMATION
Carrier: AFLAC
Phone: 800-992-3522
Website: www.aflac.com
