A lot of people claim that supplemental health insurance like accident health insurance is a waste of money. I suspect these people have never been in a bad spot. Imagine what could happen if you don't have accident health insurance. You have been working very hard for years, putting up with crazy demands and all along banking that your affordable health insurance will be enough when something bad happens. Now here comes an accident and it's time to test that affordable health insurance. Your insurance, thank God, covers most of what you need, but your copay is pretty high and you don't have the money at the moment. Starting to get the picture? You see, without accident health insurance, we are putting ourselves in a position where even if we have good health insurance, we might not be able to use it due to high copays. A supplemental health policy can make up for gaps in regular health insurance, or it can just help out with money to pay bills. Accident health insurance policies can work in multiple ways. Some pay out a lump sum for different accidents. In other words, a compound fracture will entitle the insured person to a larger sum than a minor burn. Other accident policies will pay out a pre-determined lump sum. Again, this money from the accident insurance policy can pay for major health insurance deductibles and coninsurance amounts, or it can provide money to make up for lost income. A bad accident can happen to any of us, at any time—be prepared.