Covers qualifying injuries, including a broken limb, limb loss, burns, lacerations, or paralysis. While health insurance companies pay your provider or facility, accident insurance pays you directly. Accident insurance is considered supplemental insurance and is most helpful when combined with a major medical plan. Accident coverage can be used to pay for expenses not covered by your medical plans, such as copayments and deductibles. It will also cover nonmedical costs like mortgage or rent, utility bills, and other daily expenses. Plan benefits are paid according to a fixed schedule of benefits for covered treatments and injuries.