Unlike most major medical health plans, accident insurance policies pay benefits directly to the insured, rather than to a medical provider.
The specifics vary from one plan to another, but you’ll generally need to submit proof that you received medical care for an accidental injury that’s covered by your policy. Once the claim is processed, the accident insurance company will send you a lump-sum check for the amount you’re owed. The payment amount will depend on the type of injury, the costs you incurred, and the parameters of the policy you have.