Brochure

Summary of
Accident Medical Coverage

If you are healthy and lead a healthy lifestyle, you may have a greater healthcare risk from an injury (i.e. playing sports, slipping on ice, or an auto accident) than from having a disease.

Accident Medical Coverage pays only for medical expenses not covered by your health insurance policy when you have an accident.

Covered items include Doctors, Hospital, Dental, Ambulance, Prescriptions, etc. up to the Maximum Benefit you select.

You can obtain Accident Medical Coverage as a Single individual covering only yourself, or as a Family covering your Spouse and all of your Dependents.

The Maximum Benefit is per covered person per accident: With $10,000-Benefit Accident Medical Coverage, a family of 6 could collect up to $10,000 per person six times ($60,000 total) or even more if one person had more than one accident per year.

Accident Medical Coverage provides benefits for medical expenses that result from an accident or injury—it does not provide benefits for medical expenses due to an illness.

Information on this page does not refer to a specific product, policy, or membership—all examples are only for purposes of education. Accident Medical Coverage described on this page can be obtained several ways including: (1) Contacting Zane Benefits to obtain a health insurance policy or plan offering protection against accidents; (2) Contacting Zane Benefits to purchase a standalone Accident Medical Coverage policy; (3) Lowering the Annual Deductible and/or coinsurance requirement of an existing employer-sponsored or other health policy; or (4) Joining an association that provides multiple benefits of membership, one of which is accident medical coverage—similar to the way some people join AAA for a package of benefits (maps, discounts) along with roadside assistance coverage at a better price than roadside assistance coverage might cost alone.