Accident Insurance

Accident insurance pays benefits if you or a covered family member has an accidental injury that requires medical treatment.

Accidents happen to everyone; whether it’s a broken bone or car accident. An affordable accident insurance policy can help you pay for the expenses that your health insurance doesn’t cover, which can add up quickly.

You can use the benefit money in any way you choose, but most people use it to help cover:

• Medical expenses: such as deductibles, copays, coinsurance, out-of-network care, medical costs not covered by your health plan
• Non-medical expenses: such as lost wages (due to missed work), travel and lodging for care, homecare, childcare

Your cash benefits allow you to take time off work so you can spend more time resting and getting healthy and less time worrying about unpaid bills or incurring medical debt.

Who is this policy ideal for?

People who lead an active lifestyle (e.g. playing sports, exercising, outdoor activities, children who are active)

Anything else I need to know?

Make sure to check out the list of covered medical services and benefit amounts for each policy before purchasing to ensure you choose the right plan for you with the coverage you need.

The majority of Accident plans provide coverage for accidental death and dismemberment, emergency care, hospital care, follow-up care and specific injury treatments (such as fractures or dislocations). Plans on our platform cover a wide variety of services and treatments. These include ambulance, emergency room visits, hospital stays, fractures, dislocations, x-rays, rehabilitation, and more.

Accident policies are generally guaranteed issue types of insurance coverage. As a result, anyone who fills in an application is approved for accident insurance without any health questions. The policy can cover you, your spouse/domestic partner, and your children.

If you experienced an accidental injury, you should start the claim submission process as soon as possible. You can find specific claim submission instructions in the policy document. Generally the process involves:

1. Filling out a claim submission form and signing the Authorization for the Release of Information form
2. Asking your doctor to fill out a physician statement
3. Gathering medical bills and applicable accident, incident, or policy report
4. Mailing all of the above to the insurers
5. If the insurer needs any additional information, it will follow up with you within 15 days. By submitting all the required documents, you can usually speed up the claim process.
6. You can check the claim process by calling your insurer
7. After the insurer processed your claim, you will receive payment in the form of a check or wire transfer.

If your claim is denied, you contact the insurer to start an appeal process.

Click here to see a sample claim form

Most Accident Insurance Benefits have no lifetime limits. For example, a few years ago, you collected arm fracture benefit from an accident. Today, you fracture your arm again in a different accident; you are eligible to collect arm fracture benefit again. Some insurance companies do have lifetime limits for a few benefits. For example, you can only collect shoulder dislocation benefit once in your lifetime. See your Policy Document for details.

All accident insurance on the Emerge platform doesn’t have a waiting period. This means you are covered immediately after the coverage begins. For example, if you have a broken leg 3 days after the coverage begins, the broken leg is covered.
However, injuries that occurred before the beginning of the coverage effective date are not covered, even if treatment is received after the coverage begins.

All accident insurance plans on the Emerge platform have a premium and benefit amounts that won’t change as you age.