Home >> Solutions for Individuals >> Accidence Insurance >> Who Needs It & How It Works
Learn more about who needs accident insurance coverage and how it works below. More information about accident insurance also can be found on the Accident Insurance main product page.
| Accident Policy Monthly Rates | |
|---|---|
| Individual | $18.33 |
| Individual/Spouse | $25.83 |
| Individual/Child | $25.83 |
| Family | $33.33 |
Everyone needs accident insurance. People call them accidents for a reason; they are unplanned and can happen to anyone at the most inopportune times.
Woligo has partnered with ManhattanLife to offer Personal Accident Indemnity Delivery product, otherwise known as PAID. The PAID plan helps you pay for out-of-pocket expenses and provides benefits to you or your family for many accidents that can happen without warning.
You are eligible for accident insurance through Woligo if you are between the ages of 18 ‐ 64 and is also guaranteed renewable to age 70.
| Accident Policy Monthly Rates | |
|---|---|
| Individual | $18.33 |
| Individual/Spouse | $25.83 |
| Individual/Child | $25.83 |
| Family | $33.33 |
Nope – accident insurance does not have a waiting period. Accident insurance through Woligo begins the first day you are covered.
Once you have submitted all required paperwork to your insurance company, claims are usually processed within ten business days – assuming everything checks out.
If your claim is approved, YOU will receive a lump sum payment from your insurance company. That is another benefit of accident insurance. The payment is made directly to you, which means you decide how to spend it.
Since accident insurance benefits are paid directly to you – you decide how to spend them. You could use it to help pay your medical bills, or you might decide to use it to pay your rent or mortgage.
| Accident Policy Monthly Rates | |
|---|---|
| Individual | $18.33 |
| Individual/Spouse | $25.83 |
| Individual/Child | $25.83 |
| Family | $33.33 |
Yes! And that is a massive benefit of personal accident insurance. Since personal accident insurance is not dependent on your employer, your insurance policy follows you.
Yes! Accident insurance is convenient because you can apply anytime. You can also select the benefits that fit your needs, and premiums are relatively low.
Most accident plans do not have a deductible.
The amount of benefits will depend on the type of accident and the coverage in your policy. Each policy has a fixed amount for covered accidents.
| Accident Policy Monthly Rates | |
|---|---|
| Individual | $18.33 |
| Individual/Spouse | $25.83 |
| Individual/Child | $25.83 |
| Family | $33.33 |
