If you’re injured, you might end up off of work while bills come in from your recovery. LifeSecure personal accident insurance can help you deal with some of those costs.

  • There's no medical exam or other requirement to sign up. You just need to be between the ages of 18-74.
  • You choose your annual deductible. If you don’t get any benefits for a calendar year, your deductible will decrease by 20 percent on Jan. 1 the following year. If you don’t get any benefits for five consecutive calendar years, your deductible disappears.
  • You choose an annual benefit bank amount. If you get any benefits for a calendar year, then on Jan. 1, your benefit bank returns to the full amount.
  • LifeSecure has an online budgeting tool that can help you decide the amounts of your annual benefit bank and deductible based on how much you want to spend.

How personal accident coverage works

Say you broke your ankle during a snowmobiling trip. You can use your personal accident benefits to help with these costs. You chose a benefit bank amount of $10,000 with a $250 deductible. 

$8,000 (covered expenses, after adjustments and discounts) – $250 (personal accident deductible) = $7,750 (payout to you)

Your annual benefit bank would have $2,250 left until Jan. 1.

Want to learn more?

Watch this video from LifeSecure to find out how a personal accident plan can help you cover your out-of-pocket expenses.

To get more information, call a health plan advisor at 1-855-288-6721 or contact your insurance agent.

LifeSecure Insurance Company, based in Brighton, Michigan, is an independent company that doesn’t provide Blue Cross Blue Shield of Michigan products or services. LifeSecure is solely responsible for and underwrites the accident coverage. This insurance policy has exclusions and limitations. Contact a health plan advisor or your insurance agent for an Outline of Coverage. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

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