Wednesday, December 1, 2010

Is it wise to have a Hospital accident Insurance Plan if I don't have a regular health insurance plan?

I can afford health insurance for my family. Everyone in my family is very active in hiking and other low risk activities. Should we still have an accident plan to cover accidents. For $30 a day, I can get up to $800 a day in hospital benefits. Is this a good thing or a scam?
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This does not sound like a good deal. $30 per day is $915 per month, on average. If you can afford that for something that just covers accidents, you can afford real health insurance, which is not much more and also covers illness.
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