Affordable Accident Insurance

Secure the best accident insurance plans with comprehensive coverage. Protect yourself from unforeseen accidents and medical costs. Get started now!

Why Choose Accident Insurance?

Health insurance helps cover medical bills, but what about the out-of-pocket costs? Accident insurance from Allstate Health Solutions can help cover those expenses, providing you with added financial protection.

What is Accident Insurance?

Accident insurance is a supplemental plan that pays you a cash benefit for covered services, such as visiting a doctor for a twisted ankle or an unexpected hospital stay for pneumonia. These benefits are paid regardless of your health insurance, offering an additional layer of financial security.

Key Features of Our Accident Insurance Plans

  • Flexible Plan Terms: Choose coverage from 30 to 364 days to fit your needs.
  • No Network Restrictions: Freedom to see any healthcare provider without network limitations.
  • Guaranteed Coverage: Available for applicants aged 18 to 64 without the need for medical underwriting.
  • No Waiting Periods: Benefits start immediately, with no waiting periods.

How Accident Insurance Works

Accident insurance is a “fixed benefit” plan, meaning the benefit amount is predetermined based on the service received, not your health plan, network, or provider. For example, if your accident plan pays $500 for a dislocated shoulder, you receive $500 paid directly to you, up to the plan limits. You can use the money for out-of-pocket costs related to treatment or any other expenses you have.

Benefits of Accident Insurance

  • Immediate Financial Support: Receive cash benefits quickly after a covered accident.
  • Flexibility: Use the benefit money for any purpose, including medical bills, living expenses, or other financial needs.
  • Supplemental Coverage: Works alongside your existing health insurance to provide additional protection.

Who Should Consider Accident Insurance?

Accident insurance is ideal for those who:

  • Want extra financial protection against unexpected medical costs.
  • Lead an active lifestyle and are at higher risk for accidents.
  • Seek peace of mind knowing they have coverage for out-of-pocket expenses.

Important Information about Accident Insurance Plans

Accident insurance plans provide limited benefits. They pay fixed cash benefits for covered services and may not cover all related expenses. This plan does not meet the definition of “Minimum Essential Coverage” under the Affordable Care Act. Be sure to review your policy carefully to understand any exclusions or limitations. Coverage availability and terms may vary by state.

Need Assistance? Our licensed accident insurance agents are here to help you choose the right accident insurance plan and answer any questions you may have.