Dearborn National

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What You Should Know About Accident Insurance

If you experience an accidental injury, it could hurt you physically and financially.

When an accidental injury occurs, expenses can add up.


Visits to the ER could easily run more than
$1,000
for adults1

Many hospital emergency rooms usually charge
$300 – $500
just to walk in the door.2

If you are like many Americans, you could find it very difficult to financially survive an accidental injury. According to the Federal Reserve Board, 43% of Americans could not meet an unexpected expense of $400.3

How likely are you to be affected by an accidental injury?

  • Every day 107,000 injuries occur in the U.S.4
  • Every 10 minutes, more than 700 Americans suffer an injury severe enough to seek medical help.5
  • 42 million emergency room visits a year are due to an injury.6

Fall

Do you have kids? Do they play sports?

Kids in Sports

  • Children ages 5 to 14 account for nearly 40% of all sports-related injuries treated in hospital emergency rooms. The severity and cost increase with age.7

Our Accident insurance provides cash for the unexpected costs of an accidental injury.

It works alongside your major medical coverage and pays benefits directly to you to help pay for out-of-pocket expenses, such as:

  • Medical Deductibles
  • Copays
  • Treatment
  • Transportation

How is our Accident insurance different?

Did you know that treatment for an injury can usually be treated more quickly and less expensively at an urgent care center instead of an emergency room? Most plans pay a lower benefit for treatment at an urgent care center, but our plan is different. We pay the same benefit for both urgent care centers and emergency rooms, so you don’t lose benefits for getting treatment at a lower cost facility.

For many surgical procedures covered under an Accident plan, an Ambulatory Surgical Center can offer the top-quality clinical care and the best value you want. While you can get your covered surgery at any location, we provide higher benefits if you have your surgery performed at an Ambulatory Surgical Center.

Contact us to learn how we can help meet your insurance needs.