Plain-English meaning
A policy designed to help with eligible injuries from accidents while excluding illness coverage.
Why the exact wording matters
Compare accident-only with accident-and-illness coverage using the same deductible and limit. A lower premium can reflect the much narrower set of covered events.
Where to verify it
- Definitions section
- Coverage or insuring agreement
- Exclusions
- Benefit or limit schedule
- Claims section
- State endorsement when applicable
Write this down when comparing policies
| Field | Policy A | Policy B |
|---|---|---|
| Accident-Only Plan | ||
| Where defined | ||
| What changes a claim | ||
| Question for the carrier |