Accident and Health Insurance
Why choose Zurich for accident and health insurance?
From state-to-state regulatory knowledge to global capabilities for multinational companies, we consult with our customers to customize solutions. It starts with listening to their needs. Coverages are modular, tailored for your group and structured for your budget. Whatever your choices, we will work with you to help simplify them in a streamlined fashion. Customer care is essential with health-related benefits. Zurich’s Claims service earns industry-leading scores from our customers.2 We are there when it matters most.
A Strategic Approach to Employee Well-being
The health and safety of your employees are paramount to your organization's success. Accident & Health insurance serves as more than just a benefits program; it is a strategic tool for building a confident and resilient workforce. By structuring coverage for a range of unforeseen events, as defined in the policy, you establish financial protection for eligible employees during covered situations, whether at their desks, traveling for business or participating in company-sponsored activities.
This proactive approach facilitates disciplined workforce risk management. Zurich works with you to understand the specific risks your employees face, developing tailored A&H solutions that align with your corporate objectives. When coverage is appropriately structured, it aligns with broader workforce risk governance and retention strategies within defined parameters. This allows your business to move forward with confidence, with coverage structured in accordance with policy terms.
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Insurance solutions for Accident and Health
Supplemental benefits insurance such as Personal Accident, Hospital Indemnity, Critical Illness, and Supplemental Gap Medical insurance coverages can help insureds and their families shoulder unexpected costs like high deductibles, hospital fees, childcare and other expenses following an accidental death or injury, sickness or diagnosis of a critical illness. Plus, Travel Protection can help to navigate unforeseen events and find confidence in travel through valued coverages for trip cancellation, overseas medical, lost baggage and more.
Student Accident Insurance
From preschool through college, Zurich’s Student Accident Insurance can help protect students and the institutions that serve them. Schools and school districts can provide coverage that benefits their students and also helps protect them from potential lawsuits.
Student Travel Insurance
Zurich tailors a wide array of travel insurance solutions for students and staff, from core coverages to value-added services, helping give peace of mind to students and educational institutions that sponsor their international journeys.
Tailored Solutions for Complex Workforce Needs
Workforce risk profiles vary significantly across organizations. Zurich collaborates with risk managers and HR leaders to design Accident & Health programs that address these distinct challenges. Whether you are managing a mobile sales team, a student body or members of an affinity group, our solutions are designed to be flexible and scalable.
We help you analyze your unique exposures and structure coverage that supports your operational goals. This may include anything from supplemental health benefits that fill gaps in high-deductible plans to specialized coverage for occupational accidents in non-traditional work environments. By evaluating key workforce risk exposures, we help you implement an insurance program aligned with your operational and financial parameters. Appropriately structured coverage supports workforce risk management objectives in alignment with your risk oversight structure.
Want to learn more?
Connect with our Customer Inquiry Center for more information.
FAQs
Out-of-pocket spending on healthcare in the U.S. has risen steadily over the last four decades and it’s expected those costs will continue to rise through 2026.1 Accident and Health (A&H) Insurance products can help organizations and individuals manage those trends, by providing a financial safety net for expenses that other insurance may not cover.
For over 20 years, Zurich has customized A&H products for employers and other groups. Today we’ve expanded our safety net with new solutions for the era of the gig economy, high-deductible health plans and frequent travel.
- Supplemental Benefits for Employer and Affinity Groups
- Travel Protection
- Medical Stop Loss
- Occupational Accident - Trucking
- Occupational Accident - Gig Insurance
- Special Risk (Participant Accident)
- Student Insurance
A sampling of our flexible offerings:
- Supplemental benefits such as Hospital Indemnity, Critical Illness, Personal Accident (Accidental Death & Dismemberment, Accident Medical Expense, Accident Disability, and Accident In-Hospital), and Travel Insurance offered via employers and affinity groups
- Travel Insurance and assistance provided through educational institutions, employers, affinity groups and other organizations
- Medical stop-loss coverage for businesses that self-fund their health plans
- Occupational accident coverages for the trucking industry and gig economy workers
- Student accident insurance
Our solutions are diverse, but the goal is shared: To help both organizations and individuals minimize coverage gaps and maximize their resilience.
