Most health insurance companies do not cover work-related injuries.
The main reason for that is a higher risk inadequate to the premium
charged as well as duplication of coverage with Workers Compensation
Insurance which is responsible for covering work-related injuries.
In most states employers are obligated by the law to purchase such
insurance for their workers. Workers compensation covers mainly costs
of medical care (hospital stay, doctor visits) and the loss of income
due to work-related accident.
However, there are health insurance companies that offer coverage in
case of an accident or illness being a result of work. Usually, they
require a slightly higher payments and restrict some occupations with a
higher risk of bodily injury such as: police officers, firemen or road
workers. Among groups of those who are often covered are construction
workers such as: painters, electricians, carpenters or even roofers.
If you're interested in an insurance policy that covers work-related
injuries, all you have to do is fill out our quick form and we will
contact you with insurance agents in our network that will help you
choose the plan that best fits your needs. Always remember to double
check if the work-related injuries are covered before signing the
insurance contract.
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