Accidental insurance, also known as accident insurance or accident supplement, is a type of policy that provides financial reimbursement to the insured in the event of an accident or injury. It is designed to supplement major medical health insurance and can be purchased as an add-on or as standalone coverage. The policy typically has benefit amounts ranging from $1,000 up to $10,000 or more, with small deductibles. Accident insurance covers a wide range of injuries, including broken bones, burns, dental and eye injuries, and provides benefits for ambulance services, emergency room care, diagnostic testing, hospital treatment, physical therapy, and rehabilitation.
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