Watch our video How accident insurance can get you back on your feet.
Accident insurance Accidents happen. With accident insurance, you can help them hurt a bit less. Accident insurance is an extra layer of protection that gives you a cashpayment to help cover out-of-pocket expenses when you suffer an unexpected, qualifying accident. Who is it for? Nobody can predict when an accident might happen. That’s why accident insurance is an important add-on policy for people who want to supplement the health and disability insurance coverage they already have individually or through an employer. What does it cover? Accident Insurance pays you lump sum of benefits after you suffer an accident. This could be more than 40 different circumstances, including: emergency treatment, ambulance, burns, dislocations, fractures, hospital confinement, and surgery. Why should I consider it? Health coverage may become more expensive, with higher co-pays, premiums, and deductibles. Accident insurance can be a simple, affordable way to help supplement and cover additional expenses your health and disability insurance maynot cover, including x-rays,ambulance services, deductibles, and even things like rent or groceries.
Added support during recovery
Amanda breaks her leg falling off her bike and needs emergency treatment.
Average non-surgical broken leg treatment expense: $2,500
Average Major Medical deductible: $1,500 Major Medical covers 80% of the surgical cost after the deductible is met, but Amanda’s still responsible for 20%: $200 Total out-of-pocket amount for Amanda (deductible + coinsurance): $1,700 Amanda’s GuardianAccident policy pays herabenefit of$1,700, which covers all of her out-of-pocket expenses.
Plus, accident insurance is portable and payments are made directly toyou.
This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.
You will receive these benefits if you meet the conditions listed in the policy.
23
Made with FlippingBook - PDF hosting