High Limit Accident Insurance

High Limit Accident Insurance

High Limit Accident Insurance provides Accidental Death and Dismemberment (AD&D) coverage. Accidental death benefit is paid out, as the name suggests, in case of an accidental death. Dismemberment benefits are paid in case of disability such as losing one or two limbs (leg, hand, eye, ear etc.) or loss of speech. It can also pay the complete benefit amount in case of sudden cardiac arrest. That can be a very valuable benefit at the time the insured needs it the most. You can choose whether you want accidental death only or would like to add dismemberment or accidental permanent total disability to the base policy.

In addition to getting the regular AD&D coverage you can also get the coverage for war and terrorism or due to hazardous activities.

You can purchase several levels of coverage such as 24-hour coverage, common carrier coverage, air travel only coverage. Of course, wider the coverage you choose, higher the premiums would be.

High Limit Accident insurance is underwritten by Lloyd's of London, rated A Excellent by A.M. Best.

Payment of benefits is also quite flexible as you can take the benefits in one lump sum or in equal annual installments. Also, the benefits are payable in addition to any other plan.

Regarding the dismemberment, it can cover the accidental bodily injured sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident.

You are not required to go through any medical examination to apply for the insurance and you can send the application by fax or email also. Underwriting takes anywhere from one to four business days.

Please note that the benefit limit may not exceed ten times the annual income unless otherwise justified.

Plan Details

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Prices are regulated by law.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

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