Accident Only Major Medical Insurance in Reno, NV

AFFORDABLE
PROTECTION FOR
UNEXPECTED INJURIES

Medical coverage focused on
accident-related healthcare needs

Accident Only Major Medical

WHAT is Accident Only
Major Medical Insurance?

Protection focused on accident-related healthcare needs

Accident Only Major Medical insurance reimburses you for medical expenses caused by injuries.

After meeting your chosen deductible, the plan covers 100% of eligible costs including hospital stays, physician services, emergency care, and outpatient surgery.

This specialized coverage offers protection against unexpected accidents without the higher premiums of comprehensive health insurance.

WHO is Accident Only
Major Medical for?

Coverage for active individuals and families

Accident Only Major Medical insurance serves active people seeking specific protection from injuries.

For those participating in more adventurous activities, optional hazardous sports coverage extends protection to activities like snow skiing, scuba diving, and other high-energy pursuits.

With flexible coverage limits up to $1,000,000 and choice of deductibles, this plan adapts to your specific needs and budget.

Policies can cover periods from one month to three years, making it suitable for both short-term and extended coverage needs.

WHEN Does Accident Only
Major Medical Pay Out?

Coverage when accidents and injuries occur

Accident Only Major Medical insurance pays benefits after your chosen deductible is met.

The plan covers eligible expenses at 100% up to your selected maximum benefit.

Coverage applies to a wide range of medical services including hospitalization, surgery, diagnostic tests, and outpatient treatment.

For families, if multiple members are injured in the same accident, only one deductible applies to all claims.

Accident Only Major Medical Benefits

Hospital Coverage

Room, board, and intensive care. Emergency and outpatient services, covering medical needs.

Physician Services

Office and hospital visits. Surgery and treatment coverage, including inpatient care.

Sports Coverage

Many recreational activities included. Optional hazardous sports rider available.

Emergency Transport

Ambulance service coverage. Medical evacuation benefits, for emergency situations.

Prescription Drugs

Coverage up to $500. 90-day maximum per prescription, helping manage ongoing needs.

Family Friendly

One deductible for family accidents. Coverage 1-36 months, providing extended protection.

Accident Only Major Medical Questions

1. How does Accident Only Major Medical Insurance work?

After meeting your chosen deductible, the plan covers 100% of eligible medical expenses from accidental injuries up to your selected benefit maximum. All eligible expenses apply toward your deductible without copays or coinsurance.

2. What medical services are covered?

The plan covers hospitalization, emergency room visits, surgery, doctor visits, diagnostic tests, and outpatient care when treating accidental injuries. It also includes ambulance services, prescription medications, and skilled nursing care when medically necessary.

3. What sports and activities are included?

Many recreational activities like golf, tennis, swimming, and non-competitive sports are automatically covered. Optional coverage is available for more adventurous activities like skiing, scuba diving, and mountain climbing through the Hazardous Sports rider.

4. How long can my coverage last?

Policy terms range from one month to three years. You can select the duration that best fits your needs, whether you want short-term protection or extended coverage.

5. What deductible options are available?

You can choose from several deductible levels: $100, $250, $500, $1,000, or $2,500. Higher deductibles typically result in lower monthly premiums.

6. Does this plan cover illness or pre-existing conditions?

No, this plan specifically covers injuries from accidents. It does not cover any sickness, pre-existing conditions, preventive care, or routine medical visits not related to accidents.

7. How does family coverage work?

If multiple family members are injured in the same accident, only one deductible applies to all related claims. Each person has their own policy maximum, but the shared deductible makes it more affordable for families.

8. What's the maximum benefit available?

Coverage options range from $100,000 to $1,000,000 maximum benefit per person. Age restrictions apply – coverage amounts decrease for those over 70 years old.