Accident Health Insurance plan

Accident health insurance plan is a practical solution for anyone who is looking to insure themselves against any accidents. These plans come under indemnity category and will provide insurance for your injuries resulting from an accident.

There are no qualifying criteria for applicants when applying for Accident health insurance plans. The best part of these plans is that they can be redeemed from any doctor, hospital and other healthcare facilities. The plan has the coverage amount of $2,500, $5,000, $7,500, or $10,000 for its beneficiaries.

The typical deductible amount that a person needs to pay before he or she receives the amount is $100 dollars. When you have covered yourself under an accident health insurance plan, medical bills such as ambulance charges, lab tests, x-rays and other such expenditures are also paid under the cover plan.

Under most cases accident health insurance plan will pay for a person’s accidental injuries. However, they are not applicable if the person during the time of the accident is found to be under the influence of alcohol and other drugs.

So, if you haven’t insured yourself under accident health insurance plan, it is advisable that you insure the most important thing in your life i.e. yourself.

6 Must Have Policies For A Happy Living | MoneyTips

http://www.moneytips.com/ - This video by MoneyTips highlights the importance of Insurance. Most of the American families are either uninsured or under insured and they constantly live in danger of being helpless in case of a disaster.

Things You Must Ask Your Car Accident Insurance Adjuster

Accidents can happen anytime and anywhere. It is therefore necessary to protect you with accidents, sickness and injury insurance. Car accident claims can be tricky and tedious to deal with. Here are a few things that you should ask the insurance adjuster –

• Always be proactive and consider secondary policies to go with your insurance cover. This would give you an overall protection from the various issues related to the car accident.
• Do not forget to ask the adjuster about the duplicate copies of the policy and any other document that gives the details about the policy. This is extremely important as it will tell you about the claim.
• When the accident is not your fault, get that in writing and keep a copy with you. Although most of the insurance companies would prefer not to provide this to you, it is advisable to ask for a copy as it will be a proof that the accident did not occur because of you. Also, make sure that the document has the contact details of the witnesses in it.

Accidents not only harm you physically, but they also cripple you financially by adding to your medical costs and vehicle repairs. Choose the right accident insurance policy for you to protect you during an accident.

Learning about Disability Insurance

There is a lot of skepticism around disability insurance that makes most of the people to shy away from taking a disability insurance cover. Disability insurance is a crucial part of everyone’s life as an accident can lead to permanent disability. This could be a very disheartening situation as it may leave you without work and under a financial strain for life. So, how can you protect yourself from such an unfortunate situation? Although nobody can predict a future event, but you can definitely secure your future with disability insurance.

Disability apart from making an individual incapable of working and earning also exerts additional burden in terms of doctors’ fees and the medical costs associated with the treatment. Can you imagine surviving without an income? If you fear this may happen to you, it is necessary to go for disability insurance.

Disability insurance is important as it acts as a shield from the financial disturbances that occur with disability. Investing a small portion of your monthly income can reap huge benefits in the future. Select the disability insurance policy that offers maximum benefits to you and prepare yourself for any combat in life.

Auto Insurance - How much is enough?

This infographic tells about the different types of damages occurred during accidents and how much Auto Insurance is enough to compensate for that.

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Pick Your Insurance [Infographic]

The infographic titled ‘Pick Your Insurance’ has been created by Moneytips with the big idea of highlighting the existence of different insurance products and how their suitability varies differently based on the age, life stage and financial objectives of different people. Due to lack of proper knowledge a vast majority of Americans end up buying either policy unsuitable to their needs or are under insured.

The infographic adumbrates:

• Statistics about insurance in the US
• Most Suitable insurance products based on financial objectives
• Choosing the best insurance depending on the life stage of buyer
• The amount of coverage needed at different ages

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