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What is Accident Cover and how does it work?  | Dis-Chem Health

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What is Accident Cover and how does it work? 

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You know what’s the worst thing about accidents? You just never know when they will happen. While the trauma of being in an accident is bad enough, not having access to the right resources can make the situation even worse.

That’s why it’s so important to have Accident Cover. Having a plan like this gives you the power to protect yourself, when the unexpected happens.

But what exactly is Accident Cover? Info Hub will be taking a deep dive into that very question.

 

What is Accident Cover and how does it work?

The main goal of the plan is given away by the name: To give you cover in case of an accident. You may know it as Accident Insurance, so don’t be too worried when you see service providers only talking about Accident Cover!

If you take up a policy, the healthcare provider usually sends the bill to the hospital network for the treatment you received. But depending on which service provider you choose, claims processes may be different.

 

What is covered in an Accident Cover plan?

Naturally, this will depend on the service provider you choose as well as the plan you decide to go for. In general, the benefits of many Accident Cover plans include ambulance services, emergency department visits and hospitalisation just to name a few. Some plans may also cover costs that are sadly related to a death caused by an accident.

It’s worth mentioning that an “accidental event” is defined as any accidental harm that happens when you’re forced to get treatment in an emergency casualty room. Some plans may include cover for heart attacks and strokes, as well as unfortunate injuries that happen on the sports field or at home.

You might be wondering: What’s the difference between emergency department visits and hospitalisation? Well, hospitals have different sections (also known as wards) that deal with different types of medical issues.

Being transferred from ward-to-ward can increase the cost of your hospital bills. For example, if you’re first admitted into an emergency room then transferred to a general ward for recovery, they can be considered as two separate costs. That’s why many services providers have separate benefits in one plan for emergency room visits and hospitalisation, making sure you have cover for both.

The benefits in a plan do have limits and exclusions, so it’s important to check policy documents or speak to authorised representative to find out more about what you’re actually covered for.

 

What is not covered in an Accident Cover plan?

As the name of the plan suggests, you can only access the benefits in the event of an accident. So daily medical needs like visits to a doctor or over-the-counter medicine are not covered.

The limits and exclusions of the Accident Cover policy you choose will also give you a good idea of what is not covered. For example, there may be accidents that are not covered like self-harm. Or there may be a limit on how much an Insurer will pay if you must visit the emergency casualty room. Remember, you can find out more about these finer details in the policy documents you receive.

 

The requirements to qualify for Accident Cover

Accident Cover is different from standard medical schemes, where there are many boxes you need to tick to qualify. Some service providers even offer cover to minors only! In truth, the only requirement you need is the willingness to be covered.

Other than that, the main requirement when it comes to qualifying is your ability to keep up with your monthly premiums. For many service providers, access to benefits depends on whether you are up to date with your monthly payments.

 

Who needs Accident Cover?

The simple answer is everyone, right? Unfortunately, none of us know when we will need the type of help accident cover provides.

Accidents happen to people from all walks of life. You could trip and hurt yourself as you try to catch the train, or at home while you’re using a ladder. There are other examples which we don’t even want to talk about, considering just how bad those scenarios can be.

However, you could argue that some people do need it more than others. If most of your time is spent on the road for example, getting accident cover makes sense. If you love to be active, the injuries that could happen may need the benefits many accident cover policies offer.

It may also be worth thinking about the people you love that could use accident cover. Your kids may hurt themselves playing on their swings. Or the work your spouse does may expose them to risky situations.  Ultimately, you may need accident cover if you always want to stay prepared for the unexpected.

 

Why having Accident Cover is important

Accidents can be life-changing for all the wrong reasons. The pain, trauma and uncertainty you may feel after a serious accident could literally change how you look at life.

Imagine if you collapsed from a heart attack, but you can’t be stabilised by paramedics because you have no way of paying for that service. Imagine not knowing who or where to turn to for help, after an accident leaves you needing help immediately.

Accident cover is important, because it can genuinely be lifesaving in situations like this. For a monthly premium, you get access to private healthcare designed to help you when you need it most.

Remember: It’s much better to have something and not need it, than to need something and not have it.

We hope you never find yourself in an accident, but now you have a better idea of how Accident Cover could help you if needed. If you would like to learn more about Accident Cover, take a look at the articles below!

Not all Accident Cover plans are the same and benefits as well as limitations may vary. Descriptions of benefits given are meant to be for general educational purposes only and you must ensure that you seek the advice of a broker to ensure any product choice you make suits your individual needs

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