Getting medical care after a car incident can be a tricky situation; especially if you have more than one insurance policy in place. If you own a car, you may already have car insurance, but what if you also have a health insurance as well. In such a case, which will cover your medical bills? The ultimate responsibility of healthcare expenses resulting from motor accident depends on a number of factors, such as co-pay or deductible on policies, type of car insurance coverage, the person at fault of the accident, etc.
Usually most of the health insurance plans cover car accident injury bills, but there could be an upper limit to the covers. For instance, an upper ceiling will be mentioned in the policy terms for the cost of hospital room, ambulance, doctor fees, medical tests, etc.
To get a clearer idea as to who and what will bear your medical expense in case of a car incident, let us take a closer look at a few key pointers.
Car Insurance Will Cover the First
Medical bills will be usually covered by the car insurance of the policyholder who is at fault of causing the accident. For instance, if the accident was due to your fault, then coverage for the damages and personal/third-party injury will come from your motor insurance.
If the fault was that of the other party involved, the damages and losses caused to you due to the accident will be covered under this person’s car insurance policy. If the health insurer somehow pays for the bills first, it will make a claim against the motor insurance company to settle the amount.
Understanding the Payment Responsibility
If you have a medical insurance, then the co-pays and deductibles will come into play. Health plans may come with optional personal accident coverage, which is a rider that you can add to the existing policy. To avail a personal accident insurance cover with a standard health insurance plan, you may have to pay a higher premium, but you will get immediate financial help during a car accident.
If you get injured in the accident, you may receive necessary medical care and pay the usual co-pay or deductible as per your health plan. Upfront payment if asked by the hospital, will take into account any insurance coverage, if there. So when filling the hospital form, do look for option of insurance, and provide necessary details so that the payment process is done smoothly.
You will have to pay for:
- Co-payment as mentioned in health insurance policy
- Any charges, which are not covered under the plan
- Deductible amount as under the insurance agreement
Always go through the fine print of your health insurance policy and car insurance policy. Never assume anything about which policy will cover expenses arising from car accidents. If you are aware of the coverage on accidental claims then you can take a quicker action in times of mishaps. Every insurance-provider has its own terms and conditions, and before choosing a health plan, you must be sure what is the extent of different coverage.