You can't always avoid accidents - but you can protect yourself from accident-related costs that can strain your budget. Accident insurance pays a benefit directly to you if you have a covered injury and need treatment. You can get coverage for your spouse and dependents, too. As medical costs continue to rise, accident insurance provides a necessary layer of financial protection.
Example of how a plan can work:

Mary has a very busy life with a husband and three boys who love football. While she enjoys watching them play games in the back yard, she also knows how quickly they could end up in the emergency room. Just last month, a surprise tackle sent her son to the hospital with a broken toe and torn ligament. Mary's accident insurance paid benefits directly to her, so she could use the money to cover the out-of-pocket costs.
Here's how Mary's plan helped:

Emergency room benefit $150
Fractured toe: $100

Ligament surgery: $400

Post-op follow-up: $50

Crutches: $100

Total benefits: $800
If Mary's son had a more serious injury:

She could receive a catastrophic benefit of up to $50,000 (covered injuries include loss of sight, hearing or a limb)
She could receive $5,000 if he were to die

If Mary had a plan with a sickness hospital confinement benefit:

She would receive up to $100 if her son were hospitalized due to a covered illness

She would receive this benefit for up to 30 days