Accident Insurance Coverage Overview.
WHAT DOES ACCIDENT INSURANCE TYPICALLY COVER?
Benefits, both medical and non-medical, can be available through accident insurance benefits. This can include benefits related to various medical events, whether or not they are covered by your health insurance plan. This can help cover medical bills charged to you before you reach your deductible.
This is not a comprehensive list, but the benefits generally offered through accident insurance may include:
- Hospital admission and confinement
- Intensive care unit
- Air and ground ambulance
- Emergency room treatment
- Emergency dental
- Eye injuries
- Major diagnostic exams
- Accidental death
WHAT DOES ACCIDENT INSURANCE NOT COVER?
Accident insurance benefits are generally not payable if your injury was received under the following conditions:
- Any condition covered by a workers' compensation or occupational disease law
- Suicide or attempted suicide
- Intentionall self-inflicted injury
- Any act of war
- Participation in a riot
- Injury incurred while on full-time active military duty
- Injury while engaged in illegal activity
- And more
|Accident Policy Monthly Rates|
HOW MANY ACCIDENTS ARE COVERED?
There is no limit. Every time you are injured from a covered accident you are eligible to file a claim.
HOW MUCH ACCIDENT INSURANCE WILL I GET?
The benefit payment you receive from your accident indemnity depends on a number of factors including the type of injury, the severity of the injury, and the prescribed treatment plan from a licensed medical professional.
WHAT IF I AM INJURED IN THE MIDDLE OF THE NIGHT?
It doesn’t matter where or what time of day your accident happens. Accident insurance through Woligo provides you with coverage 24 hours a day, 7 days a week, 365 days a year.
WHEN DOES MY PERSONAL ACCIDENT INSURANCE COVERAGE BEGIN AND END?
Your accident insurance begins the first day that you are covered. There is no waiting period, which means you would be eligible to submit a claim the same day it starts. On the other hand, your coverage ends when your insurance provider says so or if you decide to cancel your policy. Most insurers automatically set accident coverage to end at a certain age, usually between 60 and 75.