If you are currently searching for must-have insurance policies, consider adding accident protector insurance to your list. Accidents happen when you least expect them, and if you are not financially prepared, they can give you financial headaches besides the physical pain they can put you in. This article will enumerate the advantages of having accident protector insurance and how it can help you in an unfortunate circumstance.
Coverage for Hospital and Medical Treatment, Plus Other Expenses
Accident protection insurance can help you pay for the hospital and medical expenses that your accident incurs―from the emergency treatment you need, medical exams you need to undergo, up to the hospital room you will be staying in. The insurance will also cover transportation, lodging, and other things that your family will need, especially if you were hospitalized far away from your home.
If you are on foreign soil and forced to return to your country because of an accident, this policy can also take care of any repatriation charges you incur. The policy will also take care of the funeral expenses in the event of your death.
Life Adjustment Assistance
Sometimes, an accident will make you end up in a wheelchair. While it can be a more fortunate event than losing your life, how you live your life will never be the same again.
For example, this situation will require you to change various aspects of your daily routine. If you need to make some modifications to your house or need a new vehicle to get around, you can ask your insurance provider to compensate for those needs. These big requests, as well as small expenses such as getting a portable ramp, can be taken care of by your insurer.
Income Loss Compensation Due to Disability
People with accident protection insurance can claim compensation if they become temporarily or permanently disabled due to the accident. The types of disabilities covered by policies differ based on the provider’s offer and your agreed setup, but usually, here are the types of disabilities included:
- Loss of hands/feet or both
- Loss of one hand or one foot or one finger
- Loss of an eye
- Complete or partial loss of hearing or vision
If any of these happen due to your accident, they can significantly affect the way you work. In some cases, they can result in the loss of your job or loss of income. The compensation you will get from the accident can help you survive the days or months without a livelihood.
Educational Support
If you have a child and are supporting their education, consider looking for accident protection insurance that provides compensation for your family in the event that you pass away. Policies usually provide around ten percent of the total insurance cost for your child’s tuition.
Conclusion
Accidents are life-changing events that no one wishes to happen to anyone. Unless you have all the money you need to cover these situations, you need to be prepared for the unexpected. Accident protector insurance takes care of you and your family during unfortunate events. It is one advantageous insurance policy you should consider investing in.
Are you looking for affordable accident protector insurance? Look no further. EZ Affordable Health Insurance provides affordable dental, medical, and life insurance. We also have an accident protector for that extra coverage when you need it. Contact us today for a free quotation.