An Accident Plan is either an addition to a normal health insurance policy or a stand-alone product that covers exactly what it states, accidents. What if you get in a car wreck and the other driver is uninsured? It leaves you exposed to pay any hospital bills or deductibles that you'd have to meet before your health coverage kicks in. This type of situation is what makes an Accident Policy a perfect choice. It bridges the gap between your out of pocket responsibility and whatever your health insurance carrier covers. You'd be in a situation that could be finaincially detrimental otherwise. These policies take away some of the risk associated with living everyday life.
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