84:
insured before the health insurer pays any benefits. In the first half of 2018, almost half of
Americans with health insurance had high-deductible plans—defined as plans with a deductible of at least $ 1,350 for an individual policyholder. Without accident insurance, the insured would be responsible for paying that full amount (plus a copayment and any out-of-network costs) themselves before a health insurer began paying for care.
66:
Accident insurance is part of a category of insurance products designed to manage the cost of medical care. Other types of insurance in this category include health insurance, disability insurance, and accidental death & dismemberment insurance. Accident insurance is part of a category distinct
138:
With on-demand accident insurance, the policyholder receives coverage the same day they apply for it. In addition, on-demand insurance providers may offer episodic insurance policies, which allow the policyholder to customize the term of the policy (i.e. the duration of coverage). The policyholder
83:
Accident insurance complements but does not replace health insurance. In the event of an accident resulting in an injury, a health insurance policyholder may still be responsible for out-of-pocket expenses. These may include copayments, deductibles, and coinsurance charges that must be paid by the
48:
While accidents and their causes vary wildly, the general definition of an accident is an unfortunate incident that happens unexpectedly and unintentionally, typically resulting in damage or injury. Accident insurers may define accidents differently in their specific policies.
57:
Every insurer maintains a list of events and circumstances that void the insured's entitlement to his or her accident benefits. For example, accident insurance policies may exclude coverage for injuries sustained while the insured was intoxicated or committing an illegal act.
96:
pays the insured directly if they are injured in a way covered by the policy. However, disability insurance only pays if the injury prevents the insured from working. Accident insurance benefits are paid whether or not the insured misses work as a result of the accident.
109:, often abbreviated as "AD&D", will pay benefits in addition to any life insurance held by the insured. Accidental deaths are the third leading cause of death in the U.S. Some accident insurance policies will include benefits for accidental death and dismemberment.
130:
Group accident insurance plans are those that are created to be sold through an employer or other incorporated organization. They are typically designed and priced for the group as a whole.
139:
need only pay for coverage for as long as they need or can afford it. Prices generally correspond to the length of the term, with lower prices for shorter terms.
30:
resulting in injury of the insured. The insured can spend the benefit payment however they choose. Accident insurance is complementary to, not a replacement for,
1096:
1111:
376:
356:
106:
1106:
482:
122:
Individual plans are designed to cover a single person or family that is not purchasing accident insurance through an organization.
1116:
1101:
371:
317:
512:
286:
260:
187:"Health Insurance Coverage: Early Release of Estimates From the National Health Interview Survey, January – June 2018"
441:
507:
1086:
477:
467:
1091:
1249:
497:
398:
1309:
1066:
763:
709:
548:
383:
714:
578:
472:
793:
682:
492:
393:
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768:
436:
388:
186:
1287:
969:
758:
626:
573:
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421:
310:
278:
249:
There Are No
Accidents: The Deadly Rise of Injury and Disaster–Who Profits and Who Pays the Price
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694:
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93:
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1219:
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72:
43:
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1209:
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1136:
913:
837:
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543:
361:
343:
31:
1266:
1229:
1205:
1006:
1001:
981:
940:
935:
882:
877:
741:
721:
598:
563:
207:
1172:
1021:
704:
568:
462:
408:
1303:
975:
896:
844:
783:
621:
487:
1224:
1036:
1031:
991:
952:
1259:
1214:
887:
672:
1158:
1150:
1026:
947:
908:
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1200:
1016:
986:
957:
326:
23:
924:
27:
862:
798:
100:
517:
1177:
295:
26:
where the policy holder is paid directly in the event of an
872:
273:; O'Neill, Brian; Ginsburg, Marvin J.; Li, Guohua (1991).
269:
61:
212:
1301:
226:"FastStats-Accidents or Unintentional Injuries"
133:
101:Accidental death & dismemberment insurance
311:
107:accidental death and dismemberment insurance
318:
304:
230:Centers for Disease Control and Prevention
194:Centers for Disease Control and Prevention
87:
1302:
246:
117:
62:Comparison to other types of insurance
299:
105:In the event of an accidental death,
112:
52:
78:
13:
357:Accidental death and dismemberment
240:
14:
1321:
208:"About Disability Insurance (DI)"
125:
483:Directors and officers liability
218:
200:
179:
161:
1:
325:
154:
1250:Savings and loan association
134:On-demand accident insurance
37:
7:
683:Insurance-linked securities
142:
10:
1326:
372:Total permanent disability
277:(2nd ed.). New York:
41:
1275:
1127:
1112:Health insurance coverage
1052:
836:
665:
607:
536:
455:
407:
377:Business overhead expense
342:
333:
92:Like accident insurance,
513:Protection and indemnity
970:Explanation of benefits
442:Variable universal life
279:Oxford University Press
247:Singer, Jessie (2022).
1107:Health insurance costs
508:Professional liability
963:Out-of-pocket expense
824:Workers' compensation
478:Collateral protection
468:Business interruption
169:"Out-of-Pocket Costs"
1186:Corpus Juris Civilis
275:The Injury Fact Book
253:Simon & Schuster
94:disability insurance
88:Disability insurance
1245:Rochdale Principles
1240:Mutual savings bank
1235:Mutual organization
1220:Cooperative banking
1137:Mesopotamian banker
417:Longevity insurance
118:Individual policies
69:liability insurance
1310:Types of insurance
997:Insurable interest
498:Payment protection
399:Payment protection
149:Accident-proneness
73:property insurance
44:Accident-proneness
20:Accident insurance
1297:
1296:
1142:Code of Hammurabi
1117:Vehicle insurance
1012:Replacement value
904:Actual cash value
868:Adverse selection
858:Actuarial science
832:
831:
764:Kidnap and ransom
737:Extended warranty
384:Income protection
113:Policy structures
53:Common exclusions
16:Type of insurance
1317:
1255:Social insurance
1210:Friendly society
1102:Health insurance
930:Short rate table
678:Catastrophe bond
579:Lenders mortgage
340:
339:
320:
313:
306:
297:
296:
292:
266:
234:
233:
222:
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177:
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79:Health insurance
32:health insurance
1325:
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1319:
1318:
1316:
1315:
1314:
1300:
1299:
1298:
1293:
1271:
1267:Insurance cycle
1230:Fraternal order
1123:
1054:
1048:
1007:Proximate cause
1002:Insurance fraud
982:General average
941:Claims adjuster
883:Risk management
878:Risk assessment
842:
839:
828:
794:Prize indemnity
661:
609:
603:
532:
493:Over-redemption
451:
403:
394:National health
335:
329:
324:
289:
271:Baker, Susan P.
263:
243:
241:Further reading
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46:
40:
17:
12:
11:
5:
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1292:
1291:
1288:List of topics
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1198:
1197:
1196:
1182:
1181:
1180:
1175:
1173:Burial society
1163:
1162:
1161:
1155:§235–238; §240
1147:§100–105; §126
1139:
1133:
1131:
1125:
1124:
1122:
1121:
1120:
1119:
1114:
1109:
1104:
1099:
1097:Climate change
1089:
1087:United Kingdom
1084:
1079:
1074:
1069:
1064:
1058:
1056:
1050:
1049:
1047:
1046:
1045:
1044:
1034:
1032:Underinsurance
1029:
1024:
1022:Self-insurance
1019:
1014:
1009:
1004:
999:
994:
989:
984:
979:
972:
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834:
833:
830:
829:
827:
826:
821:
816:
811:
806:
801:
796:
791:
789:Political risk
786:
781:
776:
771:
769:Legal expenses
766:
761:
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754:
744:
739:
734:
729:
724:
719:
718:
717:
712:
702:
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629:
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619:
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604:
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586:
581:
576:
571:
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561:
556:
551:
549:Builder's risk
546:
540:
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533:
531:
530:
525:
520:
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510:
505:
500:
495:
490:
485:
480:
475:
473:Business owner
470:
465:
459:
457:
453:
452:
450:
449:
444:
439:
437:Universal life
434:
429:
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419:
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405:
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401:
396:
391:
389:Long-term care
386:
381:
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364:
359:
354:
348:
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337:
331:
330:
323:
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315:
308:
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294:
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288:978-0195061949
287:
267:
262:978-1982129668
261:
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239:
236:
235:
217:
199:
178:
173:HealthCare.gov
159:
158:
156:
153:
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144:
141:
135:
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127:
126:Group policies
124:
119:
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102:
99:
89:
86:
80:
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63:
60:
54:
51:
39:
36:
15:
9:
6:
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3:
2:
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1092:United States
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1005:
1003:
1000:
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993:
990:
988:
985:
983:
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978:
977:
976:Force majeure
973:
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968:
964:
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917:
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898:
897:Value of life
895:
893:
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835:
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760:
759:Interest rate
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750:
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664:
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650:
648:
645:
643:
640:
638:
635:
633:
630:
628:
627:Inland marine
625:
623:
622:GAP insurance
620:
618:
615:
614:
612:
610:Communication
606:
600:
597:
595:
592:
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585:
582:
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469:
466:
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458:
454:
448:
445:
443:
440:
438:
435:
433:
432:Unitised fund
430:
428:
425:
423:
422:Mortgage life
420:
418:
415:
414:
412:
410:
406:
400:
397:
395:
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301:
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276:
272:
268:
264:
258:
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203:
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174:
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150:
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123:
110:
108:
98:
95:
85:
76:
74:
70:
59:
50:
45:
35:
33:
29:
25:
22:is a type of
21:
1286:
1279:
1225:Credit union
1191:
1184:
1165:
1037:Underwriting
992:Insurability
974:
953:Co-insurance
923:
919:Cancellation
710:Catastrophic
695:Climate risk
523:Trade credit
351:
274:
251:. New York:
248:
229:
220:
211:
202:
193:
181:
172:
163:
137:
129:
121:
104:
91:
82:
65:
56:
47:
19:
18:
1260:Trade union
1215:Cooperative
888:Uncertainty
747:Index-based
715:Multi-peril
673:Reinsurance
632:Public auto
537:Residential
1055:by country
1053:Insurance
1027:Total loss
948:Deductible
909:Cash value
853:Act of God
838:Insurance
752:Parametric
732:Expatriate
608:Transport/
574:Landlords'
559:Earthquake
447:Whole life
367:Disability
155:References
42:See also:
1201:Syndicate
1167:Collegium
1062:Australia
1017:Risk pool
987:Indemnity
958:Copayment
892:Knightian
804:Terrorism
774:Liability
642:Satellite
503:Pollution
427:Term life
336:insurance
334:Types of
327:Insurance
38:Accidents
24:insurance
1304:Category
1281:Category
1159:§275–277
1077:Pakistan
925:Pro rata
814:War risk
779:No-fault
690:Casualty
647:Shipping
617:Aviation
594:Renters'
589:Property
584:Mortgage
554:Contents
528:Umbrella
488:Fidelity
456:Business
352:Accident
143:See also
28:accident
1206:Benefit
1193:Digesta
1129:History
863:Actuary
819:Weather
809:Tuition
799:Takaful
727:Deposit
657:Vehicle
1082:Serbia
1042:Profit
914:Broker
840:policy
652:Travel
637:Marine
544:Boiler
518:Surety
362:Dental
344:Health
285:
259:
1178:Guild
1072:India
1067:China
936:Claim
742:Group
722:Cyber
700:Crime
666:Other
599:Title
564:Flood
190:(PDF)
67:from
1151:§234
873:Risk
843:and
705:Crop
569:Home
463:Bond
409:Life
283:ISBN
257:ISBN
845:law
784:Pet
71:or
1306::
1157:;
1153:;
1149:;
281:.
255:.
228:.
210:.
192:.
171:.
75:.
34:.
1208:/
890:/
319:e
312:t
305:v
291:.
265:.
232:.
214:.
196:.
175:.
Text is available under the Creative Commons Attribution-ShareAlike License. Additional terms may apply.