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Accident Insurance
Protect your financial well-being with accident insurance that pays cash benefits for injuries, hospitalizations, or serious diagnoses like cancer, heart attack, or stroke.
Life can change in a second. A simple accident can lead to high medical bills, lost income, and financial stress , even if you already have traditional health insurance. Accident insurance is designed to offer you immediate financial protection when the unexpected happens, helping you cover costs that are often not included in your primary health plan.
This type of insurance pays cash benefits directly to the policyholder , regardless of whether you have other coverage. The money can be used to cover deductibles, co-pays, transportation, rehabilitation, home care, or any other personal or medical expenses resulting from an accidental injury.
Additionally, many plans allow you to add rider coverage to expand your protection, providing a comprehensive backup network for a variety of scenarios:
🏥 Hospitalization due to illness or injury: You'll receive a cash payment for each day of hospitalization , helping to offset expenses that arise during your recovery.
❤️ Cancer, heart attack, or stroke diagnosis: You'll receive a lump-sum cash benefit upon receiving a covered diagnosis, giving you the freedom to use the money as needed—whether for treatment, medications, or personal expenses.
Accident insurance is a practical and affordable way to strengthen your financial protection and that of your family . Although we can't prevent unexpected events, we can prepare so that an accident or illness doesn't affect our peace of mind or our financial well-being.
Support in the face of the unexpected
An accident can happen at any time. This insurance offers you an immediate financial support network, helping you cover medical expenses, therapy, or loss of income without affecting your savings or family budget.
Cash benefits that you control
Unlike other insurance plans, accident insurance pays you directly, so you can decide how to use the money—whether on treatment, transportation, bills, or daily needs during your recovery.
Guaranteed Acceptance
Most plans offer guaranteed acceptance, with no medical exams or lengthy processes. It's a simple and affordable way to ensure your financial well-being in the event of an accident.
Todo lo que Debes Saber
Financial protection when unforeseen events occur
Coverage for Medical Expenses due to Accident
It provides immediate protection against accidental injuries, reimbursing covered medical expenses up to the amount you choose (between $2,500 and $17,500). It doesn't require any health questionnaires or specific medical networks, so you can receive care at any hospital or medical center and focus on your recovery without worrying about costs.
Cancer and Heart/Stroke Rider
It offers a lump sum cash payment upon receiving a covered diagnosis of cancer, heart attack, or stroke. This benefit gives you the freedom to use the money however you need—whether on treatment, medication, transportation, or simply to keep your finances stable while you recover.
Hospitalization Rider for Illness
It supports you financially in the event of hospitalization due to illness, providing a cash benefit from the first day of admission . This payment can help cover deductibles, travel expenses, lodging, or lost income during your recovery, giving you peace of mind when you need it most.
Preguntas Frecuentes
What is the difference between accident insurance and health insurance?
Medical insurance covers general treatments and illnesses, while accident insurance pays cash benefits for accidental injuries , regardless of whether you have another medical plan. It's a supplement, not a replacement.
Who can purchase accident insurance?
Anyone can sign up for it—individually or for their family—since it doesn't require medical exams and acceptance is usually guaranteed . It's ideal for self-employed workers, families, and athletes.
Can I use my accident insurance along with my health insurance?
Yes. Accident insurance pays cash benefits directly to you , even if you already have health insurance coverage. You can use that money for any expenses not covered by your primary insurance.
Does it cover hospitalizations or illnesses?
Some plans allow you to add additional riders that cover hospitalizations for serious illnesses or diagnoses such as cancer, heart attack, or stroke , providing more comprehensive protection.
Why should I have accident insurance if I already have health insurance?
Because an accident can generate unexpected expenses outside of your medical coverage , such as transportation, lodging, or loss of income. This insurance offers you additional cash to maintain your financial stability during recovery.