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Top Accident Health Insurance Resources

To minimize the number of heartbreaking cases, Catastrophic health care insurance providing payments up to the 50th percentile should be federally funded for accidents and acts of God as normally defined by insurance companies. This would cover, for example, the next $200,000 after the first $10,000 for injuries sustained in automobile accidents, fires, floods, tornadoes, earthquakes and others. Victims of assault would receive comprehensive insurance which would pay at the 90th percentile because some restitution of such victims seems especially appropriate.

So long as the concept of accidents is not extended to "genetic accidents" or the "accident"of catching tuberculosis or AIDS, the total cost of such insurance should be small. Presumably, emergency life-saving procedures with a good prognosis would be includecd under the safety net list of procedures so that a criminal, injured during commission of a crime and convicted of that crime, would be covered. The fact that the criminal might exhaust his or her voucher if injured in a crime and convicted of that crime should act as a further deterrent to crime.