Having a great primary health insurance plan is the first step to putting in place an overall health plan. But there are many different insurance types that deal with healthcare costs - and knowing how to select and combine them optimally can close up coverage "gaps" and save you a lot of money.

No one insurance policy is going to cover you against all medical risks and the impacts of a serious accident or illness. The best strategy, therefore, is to combine several key types of insurance so that one type can fill in the "gaps" left by the other(s).

Aside from getting all the help you can in identifying and securing your best possible primary health insurance policy, it often makes sense to also investigate the benefits of acquiring one or more secondary health insurance policies as well.

One of the most important of all types of supplemental health insurance is clearly accident insurance. Accident insurance is designed to give you extra protection against out of pocket cost incurred as a result of a qualifying accidental injury. It is currently one of the most popular of all "peripheral" insurance types, and for a number of very good reasons.

You may have spent a lot of time thinking about how to choose your ideal health insurance plan, and that makes sense because your primary health insurance policy is foundational. But the fact is, regular health insurance is often not enough. 

Shopping for health insurance requires you to take account of and compare numerous factors, some of which can be easily overlooked unless you make a special point of investigating them. But no matter how well you choose your health insurance policy, the simple fact is that it's not going to cover everything. And that's where health insurance supplements like accident insurance come in.