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Accident and Health Insurance

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What is Accident and Health Insurance?

Accidental injuries and healthcare costs have climbed.1, 2 Accident and Health 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.

A sampling of our flexible offerings:

  • Voluntary benefits such as Critical Illness Insurance and Personal Accident Insurance offered via employers
  • Travel insurance and assistance provided through educational institutions, employers 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

The solutions are diverse but the goal is shared: To help both organizations and individuals minimize coverage gaps and maximize their resilience.

Why Zurich?

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 can bundle them in a streamlined fashion.

Claims service
Customer care is essential with Accident and Health claims. Zurich’s Claims service earns “Best in Class” scores from our customers.2 We’re there when it matters most.



Voluntary Benefits

Offered through employers, supplemental benefits such as Group Personal Accident Insurance and Hospital Indemnity Insurance can help employees shoulder high deductibles, co-pays and other expenses following an accidental injury or diagnosis.

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More people are traveling globally and locally, whether for business, leisure or student pursuits. We offer Student Travel, Business Travel Accident and Leisure Travel solutions, all with 24/7 Zurich Travel Assist™ as an option.

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Medical stop loss

Designed for managed care organizations and employers that self-fund their employee health plans, Zurich Managed Care Excess and Medical Stop Loss coverages provide a buffer against unexpected surges in a population’s healthcare costs.

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Occupational Accident - Trucking

Zurich’s owner operator truck insurance provides protection for contract drivers not covered by workers’ compensation policies.

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Occupational Accident - Gig economy

Growth in the gig economy has expanded opportunities to earn income with more freedom and flexibility. With these opportunities come risks, such as gaps in work injury coverage. Zurich’s Occupational Accident Insurance for the gig economy can help bridge that gap.

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Special Risk (Student and Participant Accident)

Schools and organizations often require special accident coverages for their students and participants. Zurich provides modular solutions for students and participants in groups of varying sizes, all designed to empower participation and peace of mind.

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Related industry and insurance

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Life and absence management solutions


Professional Liability

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1 Gooch, K. “Most patients faced out-of-pocket costs of at least $500 last year, study finds.” Becker’s Hospital Review. 25 June 2019.
2 Accidents have become the leading cause of death for Americans under age 44, according to the National Safety Council Injury Facts® at
3 Zurich Closed Claims Net Promoter Score: 83 (January 2017-June 2019). “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia.