If you have a policy with a deductible of over $1000 it might be smart to consider a separate accident policy. What is an accident policy? Simply it’s a policy that will pay up to $1000-$6500 if you are hospitalized because of an accident.
For my family, I have an accident policy as we have a deductible of $7,000. If my crazy son falls down the slide and we must go to the emergency room this policy will cover our deductible.
If you have a family or want to avoid a huge hospital bill you might want to consider accident insurance.
