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Accident insurance is part of a category of insurance products designed to manage the cost of medical care. Other types of insurance in this category include health insurance, disability insurance, and accidental death & dismemberment insurance. Accident insurance is part of a category distinct from liability insurance or property insurance.
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Higher claims frequency leading to upward pricing pressure, coupled with the adoption of technology, is likely to boost the performance of the Zacks Accident and Health Insurance industry players ...
Accident insurance was first offered in the United States by the Franklin Health Assurance Company of Massachusetts. This firm, founded in 1850, offered insurance against injuries arising from railroad and steamboat accidents.
This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan. Some of the covered accidents include traffic accidents , exposure, homicide , falls, heavy equipment accidents and drowning .
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