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When a surprise injury occurs, the cost of treatment and recovery can be shocking and often not factored into one’s budget. Aflac offers a variety of supplemental insurance plans, including accident insurance, to support the various costs that can accompany different health experiences. This article will outline what accident insurance is and how it can benefit you.Accident insurance is meant to be purchased in addition to your primary policy. It helps pay the bills that your major medical insurance doesn’t completely cover.