Medical Payments Insurance

You may be held liable if someone gets injured on your property. If you have medical payments to others coverage, Kin can help pay their medical bills so you don’t have to.

Medical Payments Insurance

Medical payments coverage, which is included in most homeowners insurance policies, provides protection for your guests should they be accidentally injured on your property, regardless of who is at fault. Designed to resolve smaller claims, such cover helps to pay for reasonable and necessary medical expenses (up to policy limits) caused by accidents at your home that are not covered by personal liability coverage. Generally, medical payments coverage has low limits, typically between $1,000 and $5,000. You may have the option to increase this amount, but not usually by too much more.

Why Do I Need Medical Payments Coverage?

The advantage of medical payments coverage is that the injured third party does not have to pursue a potentially extensive liability claim over a relatively small and straightforward expense - saving time and money. An example of when this coverage will apply is if a friend accidentally slips down the steps in your garden and breaks their arm. The costs of x-rays, hospital fees, a cast and medical expenses can be paid immediately and then subsequently claimed from your insurance against your medical payments coverage.

What Does Medical Payments Insurance Cover?

Reasonable medical expenses sustained in order to resolve a medical emergency and which are usually reimbursed include:

  • Medical
  • Surgical
  • X-rays
  • Dental
  • Ambulance
  • Hospital

Items not included in medical payments coverage include costs related to pain, suffering, property damage and injury to someone who lives in your home.

If an accident happens on your property which may lead to a claim, take photos to document the conditions. This helps to negate confusion as to what happens or if a stranger makes a claim against you which you know is inaccurate.

Essentially, medical payments coverage provides a more efficient means to dealing with small medical claims.

Tripping Friends

Jenny and LaToya, two friends who do not live in your house, are visiting for your birthday. Jenny slips on your carpet, falls, and knocks down LaToya. Jenny chips a tooth, and LaToya hurt her ankle.

Jenny goes to the dentist, who charges her $200 to fix her tooth. LaToya goes to the hospital and got an X-Ray. Turns out her ankle is broken, so she has to get some physical therapy and a cast (Poor LaToya!). The hospital charges her $4,900.

Because Jenny and LaToya don’t live with you, they got hurt on your property, and their bills were less than $5,000 per person, Kin can pay both of their bills. Don’t worry—there’s no deductible for Medical Payments to Others.

Let’s hope they get better soon.

Boys Will Be Boys

Jackson is 9. He lives with you and is playing in the driveway. He trips on a crack and bangs his knee pretty bad, so you take him to the doctor. Jackson has a pretty big bruise, so the doctor prescribed some medication and a follow-up visit.

Because Jackson lives at your property, Medical Payments to Others doesn’t apply. You are responsible for his medical bills.

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