Emergency room insurance supplements fall into two main categories. ER plans that cover accidental bodily injuries is the first category. The second form of ER plan is a Critical Illness Insurance plan that covers emergency room related expenses for sickness and disease such as life threatening cancer, heart attacks, and stroke.

To cover bodily injuries someone can shop around for a personal accident insurance plan. Other names for this type of injury plan include 24 hour accident coverage, accident health insurance policy, accident medical expense benefit, supplemental accident coverage, and personal injury insurance supplement. These association based plans aren’t actually insurance at all. They are indemnity insurance plans which act as a form of compensation insurance.

Accidental injury indemnity’s like this are guarantee issue with no health questions or underwriting. Plans are automatic acceptance up til age 65 or so and can be used with any doctor or hospital. Plans don’t have a strict network because injury type plans are for emergencies and trauma situations. Accident policy holders can use the ER supplement at any licensed hospital, doctor, or clinic. Plans usually have a $100 to $250 USD deductible. Deductible is what you pay before accident plan pays. Accident benefits are paid per injury and each claim is treated as a separate event which is a valuable benefit. Emergency room insurance policy only pays up to the predetermined policy face value.

Here’s a list of typical personal accident insurance plan benefit levels and the lowest rates I could find online so far:

Individual – $36.00 US dollars a month for a $10,000 policy value.
Individual – $29.00 a month for a $7,500.
Individual – $24.00 a month for a $5,000.

Family – $47.00 US dollars a month for a $10,000 policy face value.
Family – $41.00 a month for a $7,500.
Family – $35.00 a month for a $5,000.

Personal injury insurance plans only cover accidental bodily injuries and no medical conditions like strokes, heart attack, and cancer. To cover these health conditions health insurance agents in the know usually suggest Critical Illness supplements.

Critical Illness plans are also called cancer and stroke insurance plans. These policies pay plan holders a lump sum cash benefit to compensate individuals upon diagnoses of heart attacks, stroke, and cancer. These cancer heart health insurance policies are also indemnitys. The following prices are from a leading critical illness plan that covers these conditions up to $10,000 in compensation.

Husband and wife plan (2 people): $48.00 US dollars each month.
Individual person coverage: $25.00 US dollars each month.

» Read more: Emergency Room Insurance Coverage – ER Policy Supplement Shopping Guide

Emergency room insurance supplements fall into two main categories. ER plans that cover accidental bodily injuries is the first category. The second form of ER plan is a Critical Illness Insurance plan that covers emergency room related expenses for sickness and disease such as life threatening cancer, heart attacks, and stroke.

To cover bodily injuries someone can shop around for a personal accident insurance plan. Other names for this type of injury plan include 24 hour accident coverage, accident health insurance policy, accident medical expense benefit, supplemental accident coverage, and personal injury insurance supplement. These association based plans aren’t actually insurance at all. They are indemnity insurance plans which act as a form of compensation insurance.

Accidental injury indemnity’s like this are guarantee issue with no health questions or underwriting. Plans are automatic acceptance up til age 65 or so and can be used with any doctor or hospital. Plans don’t have a strict network because injury type plans are for emergencies and trauma situations. Accident policy holders can use the ER supplement at any licensed hospital, doctor, or clinic. Plans usually have a $100 to $250 USD deductible. Deductible is what you pay before accident plan pays. Accident benefits are paid per injury and each claim is treated as a separate event which is a valuable benefit. Emergency room insurance policy only pays up to the predetermined policy face value.

Here’s a list of typical personal accident insurance plan benefit levels and the lowest rates I could find online so far:

Individual – $36.00 US dollars a month for a $10,000 policy value.
Individual – $29.00 a month for a $7,500.
Individual – $24.00 a month for a $5,000.

Family – $47.00 US dollars a month for a $10,000 policy face value.
Family – $41.00 a month for a $7,500.
Family – $35.00 a month for a $5,000.

Personal injury insurance plans only cover accidental bodily injuries and no medical conditions like strokes, heart attack, and cancer. To cover these health conditions health insurance agents in the know usually suggest Critical Illness supplements.

Critical Illness plans are also called cancer and stroke insurance plans. These policies pay plan holders a lump sum cash benefit to compensate individuals upon diagnoses of heart attacks, stroke, and cancer. These cancer heart health insurance policies are also indemnitys. The following prices are from a leading critical illness plan that covers these conditions up to $10,000 in compensation.

Husband and wife plan (2 people): $48.00 US dollars each month.
Individual person coverage: $25.00 US dollars each month.

» Read more: Emergency Room Insurance Coverage – ER Policy Supplement Shopping Guide