Hassle-Free Health Coverage: 24-Hour Accident Coverage

Accident coverage would provide 24-hour medical and disability coverage for accidental injuries, whether work-related or not, but only work-related diseases would be covered. Here, we find broad accident coverage and limited coverage for diseases.

Example: Martha has 24-hour accident coverage and is injured in a roller skating accident when she loses control and crashes into a cement wall. While examining and treating Martha for her injuries, the doctors discover that she has cancer.

This policy will provide benefits for the medical treatment of Martha's injuries, and it will even pay disability income benefits if she is unable to work because of those injuries. However, it will not provide any benefits for Martha's cancer treatments or any lost work time due to cancer (because the disease is not work-related).

In yet another approach, 24-hour medical and disability coverage would be provided for all diseases, whether work-related or not, but only work-related accidents would be covered. Here we find broad disease coverage and limited coverage for accidents.