Match benefits to real life
Build protection around real-life injuries
Use these five checks to see whether the benefit schedule fits your household.
- Compare emergency room, urgent care, ambulance, diagnostic, and follow-up benefits.
- Read the schedule for fractures, dislocations, burns, lacerations, concussion, therapy, and hospital care.
- Check exclusions for organized sports, hazardous activities, intoxication, work injuries, and prior injuries.
- Review claim-submission timing and what bills or medical records may be needed.
- Confirm family coverage, dependent age limits, renewal terms, and benefit maximums.
Helpful questions
How can accident benefits complement medical insurance?
Scheduled cash benefits may help with deductibles, copays, transportation, childcare, or other costs after a covered accidental injury.
How do I compare benefit schedules?
Focus on the injuries and services most relevant to your household, then compare benefit amounts, limits, exclusions, and premium together.
Can children be included?
Many policies offer dependent coverage subject to eligibility and age rules. Available benefits vary by policy and state.