Can Your Health Insurance Cover Death?

​Are you wondering whether your health insurance covers death? The quick answer is no. Unfortunately, health insurance does not cover the end of the insured’s life and will most likely cease to exist after the person's death. 

Why is Death Not Covered?
Health insurance covers the insured's health and will continue to protect the person's health while they are living. But, death means the person is no longer healthy, nor living, to get the coverage they need, like:

• Hospitalization
• Medical needs
• Surgery
• Consultations
• Diagnostics 
• Emergencies

The health insurance plan of a person is based on what they need the most, and there is no death coverage to claim. Whatever type of health insurance you get, there is no guarantee of a death claim. 

Does An Accidental Death Insurance Plan Cover Death?
If you want to know if your family has a claim on your insurance when you die, you may get an accidental death insurance plan. This plan secures your family's future by providing for your family's needs due to your unexpected death or disability. 

Remember, a family member may claim accidental death insurance plans if an insured suddenly and unexpectedly died due to an accident. It does not cover natural death and may not be claimed if natural death happens. 

Do You Need An Accidental Death Insurance Plan?
Getting covered by an insurance policy is an excellent way of protecting yourself and your financial situation. It is also a great way to know your family is well-protected. So, do you need an accidental death insurance plan? If you need one, you may contact Insurance Agency Network to review your existing plan and consider getting an accidental death insurance policy

The Rundown
Death is unfortunate, especially if someone is too young to leave. Insurance is essential to your life; if you know how to use insurance, you are set for life. But insurance won't necessarily cover your family due to sudden death, so it's better to know what plan you have today and talk to Insurance Agency Network to evaluate your insurance plan. 

At Insurance Agency Network, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We will go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (425) 448-9190 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!