Supplemental Injury Insurance

Understanding Supplemental Injury Insurance

Here’s why it makes so much sense…

Filling the Gaps Created by Co-pays

Most health insurance policies will have co-pays and deductibles which can add up quickly. When a trip to the emergency room, urgent care, or even hospitalization becomes necessary due to an unexpected injury or accident, supplemental insurance helps to reimburse you for those co-pays and deductibles.

Payments are Made Directly to You

Payments from supplemental insurance coverage go directly to you, not your health care provider. You use the money however you see fit, to cover any expenses you might have.

Coverage for Accidental Injuries

Supplemental injury insurance is specifically designed to cover accidental injuries, regardless of where they occur. Whether you’re injured at home, work, or during recreational activities, this coverage provides financial support to help you recover without worrying about the associated costs.

Types of Injuries Covered

Supplemental injury insurance typically covers a wide range of injuries, including but not limited to fractures, dislocations, burns, concussions, sprains, and lacerations. The policy will outline the specific types of injuries covered, ensuring you have a clear understanding of what benefits are available to you.

Additional Features/Options

Supplemental injury insurance offers various benefits and features to policyholders. Additional features include:

• Lump-Sum Payments: In the event of a covered injury, supplemental injury insurance provides a lump-sum payment directly to you. This payout can be used to cover medical expenses, lost wages, or any other costs associated with your recovery.
• No Deductibles or Co-pays: Unlike primary health insurance plans, supplemental injury insurance often does not require deductibles or co-pays. This means that your benefits kick in immediately without any upfront costs.