To speak with a licensed insurance agent, call (760) 406-4124 (TTY 711 M-F, 9am-5pm) or email deania@proctorins.com

Bill Proctor & Associates Insurance Services, Inc.

Supplemental Injury Insurance

(760) 406-4124 // deania@proctorins.com

Supplemental Injury Insurance

What is Supplemental Injury Insurance?

Supplemental injury insurance is a vital component of a well-rounded insurance portfolio. While primary health insurance plans cover a range of medical expenses, they may not offer comprehensive coverage for accidental injuries. That’s where supplemental injury insurance steps in to bridge the gaps and provide additional financial protection in case of unforeseen accidents.

Why Consider Supplemental Injury Insurance?

Accidental injuries can occur at any time and can have a significant impact on your physical and financial well-being. Even with a solid health insurance plan, you may still face out-of-pocket expenses, deductibles, and co-pays. Supplemental injury insurance helps alleviate the financial burden by providing additional coverage specifically tailored to accidents, ensuring you receive the care you need without worrying about the costs.

The Primary Benefits of Supplemental Injury Insurance
  1. Financial Protection: Supplemental injury insurance offers an extra layer of financial protection, covering expenses that may not be fully addressed by primary health insurance. This coverage helps you manage medical bills, rehabilitation costs, and other related expenses resulting from accidental injuries.
  2. Flexibility: Unlike some traditional insurance plans, supplemental injury insurance allows you to choose the coverage level that suits your needs. You can select a policy with varying benefit amounts, ensuring you have the necessary funds available for different types of injuries.

Understanding Supplemental Injury Insurance

Here’s why it makes so much sense…

Filling the Gaps Created by Co-pays

Most health insurance policies will have co-pays and deductibles which can add up quickly. When a trip to the emergency room, urgent care, or even hospitalization becomes necessary due to an unexpected injury or accident, supplemental insurance helps to reimburse you for those co-pays and deductibles.

Payments are Made Directly to You

Payments from supplemental insurance coverage go directly to you, not your health care provider. You use the money however you see fit, to cover any expenses you might have.

Coverage for Accidental Injuries

Supplemental injury insurance is specifically designed to cover accidental injuries, regardless of where they occur. Whether you’re injured at home, work, or during recreational activities, this coverage provides financial support to help you recover without worrying about the associated costs.

Types of Injuries Covered

Supplemental injury insurance typically covers a wide range of injuries, including but not limited to fractures, dislocations, burns, concussions, sprains, and lacerations. The policy will outline the specific types of injuries covered, ensuring you have a clear understanding of what benefits are available to you.

Additional Features/Options

Supplemental injury insurance offers various benefits and features to policyholders. Additional features include:

  • Lump-Sum Payments: In the event of a covered injury, supplemental injury insurance provides a lump-sum payment directly to you. This payout can be used to cover medical expenses, lost wages, or any other costs associated with your recovery.
  • No Deductibles or Co-pays: Unlike primary health insurance plans, supplemental injury insurance often does not require deductibles or co-pays. This means that your benefits kick in immediately without any upfront costs.

Get Free Assistance

Friendly, licensed professionals are available to answer all of your questions at no cost to you. Call (760) 406-4124 or complete the form below and we’d be happy to reach out to you.







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Close Accessibility Tools
      Accessibility Controls Reset
      Content Adjustments
      Font Size

      Default

      Line Height

      Default

      Content Scaling

      Default

      Highlight Titles
      Highlight Links
      Highlight Forms
      Align Left
      Align Center
      Align Right
      Focus Mode
      Color Adjustments
      Desaturate
      Monochrome
      Contrast

      Default

      Saturation

      Default

      Accessibility Statement

      Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

      We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

      If you wish to contact this website's owner, please use the contact form on the website.

      Our User Interface Adjustment Options

      Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

      Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

      Content highlighting - Users can prioritize key elements such as links, forms, and titles.

      Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

      Close