Additional financial protection when employees need it most

Accidental injury, critical illness and hospital care insurance for clients with 250-plus employees

Even with major medical coverage, employees can be exposed to unexpected out-of-pocket expenses. Our accidental injury, critical illness and hospital care insurance can help reduce this financial burden.

Besides providing employees with additional financial protection, these voluntary benefit solutions offer your clients:

  • Flexibility. Clients can pick benefit options and levels to fit their needs and those of their employees
  • Cost efficiency. Offering benefits on a voluntary, employee-paid basis can help your clients enhance their overall employee benefits package without additional employer expense
  • Convenience. Easy management capabilities and a dedicated enrollment solutions manager ease the administrative burden for the client

How they work

  • Accidental injury insurance pays benefits for a broad range of injuries or treatments associated with a covered accident
  • Critical illness insurance provides a lump-sum payment for diagnosis of a covered critical illness or specific disease
  • Hospital care insurance pays a fixed benefit for hospital stays resulting from a covered injury or illness

A payment is made directly to the employee, unless otherwise assigned. There are no copays, deductibles, coinsurance or network requirements. The money can be used to help pay for any costs:

  • Medical copays and deductibles
  • Travel to see a specialist
  • Child care
  • Help around the house
  • Alternative treatments

Accidental Injury, Critical Illness and Hospital Care (Indemnity) insurance policies are insured and/or administered by Life Insurance Company of North America, except in NY where policies are insured by Cigna Life Insurance Company of New York (New York, NY). Products may not be available in all areas. These policies pay limited benefits. Exclusions and limitations apply. For costs and details of coverage, contact Cigna.