Maybe you’re wondering how Police Accident Insurance is different from health insurance. Good question! Let’s break it down with a quick definition of each and an example.

Health insurance covers certain medical expenses and pays your provider directly but may leave you responsible for some out-of-pocket costs. The amount paid depends on your coverage, the type of care and whether you’ve hit your out-of-pocket maximum.

Police Accident Insurance is supplemental coverage designed specifically for law enforcement and their families, which can complement your health insurance by paying benefits for covered accidents and related expenses. The benefit you receive is based on the covered accident, is paid directly to you and can be used however you like, such as toward out-of-pocket medical expenses.

Let’s say you carry both health insurance and Police Accident Insurance, and you go to the ER with a knife wound.

Your health insurance will pay the treating providers for some or all your medical expenses. You may be responsible for deductibles, co-pays and other out-of-pocket fees.

Your Police Accident Insurance will pay you directly for your knife wound and any applicable treatments, such as an ambulance ride or hospitalization.

The money you receive from your Police Accident Insurance can be used any way you choose. You could put it toward uncovered medical expenses, like co-pays, or you could use it to cover your mortgage or daycare expenses.