Accident, Hospitalization and Critical Illness Insurance
Accident / Hospitalization insurance is designed to keep
as much money in your pocket as possible
The insurance plans provide cash benefits irrespective of your existing medical coverage.
You have the flexibility to tailor your coverage, shielding yourself from the financial burdens often associated with unexpected accidents, illnesses, and hospitalizations.
Plus, as a token of appreciation for your loyalty, some companies offer exclusive perks like a disappearing deductible and escalating benefits, ensuring that the longer you stay, the more you stand to gain from your plan.
Benefits from $2,500 – $17,500
Accident Insurance
Accident insurance serves as a vital safety net in life’s unpredictable moments. It provides financial protection and peace of mind when unexpected accidents occur. With accident insurance, you receive cash benefits that can help cover various expenses, such as medical bills, rehabilitation costs, and everyday living expenses while you recover. Whether it’s a slip and fall, a sports injury, or a car accident, accident insurance steps in to ease the financial burden, allowing you to focus on your recovery without worrying about the costs. By having accident insurance, you’re prepared for the unexpected, ensuring that you and your loved ones are financially protected when life takes an unexpected turn.
Sickness and Hospitalization Insurance
Cancer, Heart Attack and Stroke Insurance
Cancer and Heart/Stroke insurance delivers crucial support during challenging health crises, offering financial security when facing a first-ever diagnosis of cancer, heart attack, or stroke. With this coverage, you receive cash benefits to alleviate the financial burdens associated with treatment, recovery, and daily living expenses. In the event of a covered cancer diagnosis, these benefits help offset medical costs like deductibles and copayments, as well as non-medical expenses such as transportation and household bills. Similarly, for covered heart attacks or strokes, the cash benefits assist with medical bills, cardiac rehabilitation, and lifestyle adjustments, providing peace of mind and allowing you to focus on your well-being and recovery journey.
Accident and Hospital Plans We Quote
We only work with the most reputable and highly rated companies to provide the best protection and service to our clients.
- Allstate Health Solutions
- United Healthcare
- Cigna
Frequently Asked Questions About Accident and Hospital Coverage
Is accident insurance the same as health insurance?
No. Health insurance pays providers for medical care. Accident, hospital and critical illness plans are supplemental: they pay a cash benefit to you when a covered event happens, and you decide what it is spent on. Most people use it for the costs a health plan does not touch, such as a deductible, time off work, travel to treatment or childcare.
Do I still need major medical coverage if I have this?
Yes. Supplemental plans are designed to sit alongside a health plan, not to replace one. They do not cover the full cost of hospital care and they are not minimum essential coverage. If you do not have a health plan, start there and treat this as the layer on top.
Does it pay if I already have a health condition?
That depends on the plan and the condition. Supplemental plans commonly pay benefits regardless of what other coverage you carry, but pre-existing condition provisions, waiting periods and exclusions vary by carrier and by state. It is worth asking the question directly before you apply rather than after a claim.
How is the benefit paid?
Typically as a cash benefit to you, after a covered event is documented, rather than as a payment to a hospital or doctor. Because the money comes to you, it can cover the things a medical bill never shows: the mortgage payment, the fuel, the lost shift.
Who tends to buy this coverage?
People with a high-deductible health plan, self-employed people with no employer sick pay, households where one income cannot absorb a few weeks off work, and people in physically demanding trades. It is also common as a voluntary benefit inside a group plan, which is covered on the group benefits page.
Can I have more than one of these plans?
Often yes, and they are frequently bought together because they answer different questions. Accident coverage responds to an injury, hospital coverage responds to an admission, and critical illness coverage responds to a specific diagnosis. What matters is that the combination reflects a real gap rather than duplicating cover you already have, which is the part we will go through with you.
Talk it through with an independent agent
Mission Essential Insurance is a veteran-owned independent agency. We are not tied to one carrier, so we compare what is actually available to you and explain the trade-offs in plain terms. There is no cost to work with us as your broker.
