Accidental Injury Insurance
Additional coverage to help with out-of-pocket expenses resulting from life's unexpected accidents.
Accident Insurance Coverage for Whole-Person Health
Nobody wants to think about accidents. But when something happens, you want to help your employees focus on getting better and worry less about medical bills. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation, and child care can quickly add up. That's where Accidental Injury insurance from Cigna Healthcare℠* can offer support.
Benefits of Accidental Injury Insurance for Your Employees
Direct Payments
A cash benefit is paid directly to covered person for a broad range of injuries or treatments associated with a covered accident.
Flexible
Employees can use the money however they want, including medical deductibles, child care, groceries, and more.
Supplements a Medical Plan
Benefits are paid in addition to other coverage an employee may have.
Cost Effective
Premium is conveniently deducted from an employee's paycheck at a low group rate.
Benefits are Portable
Employees can keep their coverage if they leave their employer.1
Maximize employee benefit payments with Cigna Simple File®
- Auto compare2 – For customers who also have medical coverage, we carefully review medical claims and remind customers to submit their eligible accidental injury claim.
- Auto claim2 – For customers who also have our disability, life and/or accidental death and dismemberment (AD&D) coverage, we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.
Accidental Injury Insurance
Watch how our Accidental Injury insurance can offer employees financial coverage while recovering from an accident-related injury. (Length: 00:01:34)
*Insured by Cigna Health and Life Insurance Company
View Cigna Healthcare Company Names
1 Under most plans, coverage is portable and ends at age 100.
2 The Simple File process is based on a one-time assessment of the initial claim documentation for the primary claim. Any subsequent events would not be identified.
GROUP ACCIDENT INSURANCE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT A MEDICAID OR MEDICARE SUPPLEMENT POLICY
Product availability may vary by location and plan type and is subject to change. All group insurance policies may contain exclusions, limitations, reduction in benefits, and terms under which the policy may be continued in force or discontinued. For costs and details of coverage, contact your Cigna Healthcare representative.
Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare names, logos, and marks are owned by Cigna Intellectual Property, Inc. Policy forms: GAI-00-1000, GAI-00-1000.OR et al.