Those lazy, hazy, crazy days of summer – or so the song by the late, great Nat King Cole goes. From road trips and beach days to barbeques and fireworks, there’s no shortage of fun during the summer months.
However, as much as summer can be synonymous with joy, this busy, active time presents a greater risk for accidents and injuries.
Close to 20% of adults and more than 17% of children visit emergency rooms every year, according to the Centers for Disease Control and Prevention. Additionally, about 31% of all emergency department visits happen in the summer months, significantly higher than any other season.
These injuries hurt not just physically, but also financially. Depending on your health insurance, an emergency room visit could produce a hefty amount of out-of-pocket expenses, which can create financial stress and derail other fun summer plans. Therefore, the summer season is a great time to check in with your clients on their benefit plans and highlight how accident insurance can serve as a useful financial safety net.
The Role of Accident Insurance
Most accident coverage provides benefits for emergency room visits, hospitalization, diagnostic exams, X-rays, physical therapy and follow-up visits. For individuals or families that like to stay busy with sports and other recreational leagues, some insurers include benefits for organized sporting events. It is worth noting that accident coverage can also celebrate policyholders’ proactive self-care with a wellness benefit that can pay for a routine medical exam as a way to encourage early detection and prevention.