Accidents and Sicknesses happen! When they happen to your child, someone must pay the bills. Here are affordable accident and sickness insurance plans to cover your child either 24 hours a day (24 hour plans) or while in school (at school plan). These plans provide benefits to help meet the cost of medical and hospital expense. If you have other insurance, these plans will help meet the deductibles and coinsurance gaps in those plans. If you have no other insurance, these plans will provide low cost, basic coverage.