Group Personal Accident Insurance

Why choose Zurich for Group personal accident insurance?

The strength of Zurich’s Group Personal Accident Insurance goes far beyond policy details. We offer a dedicated support team for coordination of plan development, marketing, administration onboarding, and program management. We provide you with a single point of contact, as well as administration that details processes, forms, and group/individual contact information. We’ll work with you to help simplify the administration of your program and we’re always ready to answer questions to help address your needs and those of your members or employees.

At Zurich, our customers’ needs remain at the heart of everything we do.

Supporting Workforce Stability with Structured Benefits

Preparing for unexpected events is a key component of a resilient business strategy. Group Personal Accident Insurance helps you provide a crucial layer of support for your employees, offering them and their families financial assistance in the event of a covered accidental death or injury. This coverage is designed to function globally, 24/7, providing benefits for incidents that occur both on and off the job.

Consider the value of this structured benefit design. An employee injured during a weekend activity or while traveling for business can face significant financial disruption. Benefits may be payable regardless of other insurance your employee may have, subject to policy terms. For your business, offering this coverage supports workforce stability by providing a mechanism for financial protection. It can function as a component of a structured risk governance framework within your overall benefits strategy, helping reinforce defined financial protection mechanisms within your benefits structure.

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Accident medical expense

Accident medical expense provides payments following accidental injuries requiring medical treatment. It can help cover additional out-of-pocket costs, like copays, deductibles, or co-insurance responsibilities.

Zurich Group Personal Accident Insurance

Insurance solutions for Group personal accident

Taking the next step in enhancing your employee benefits program should be a structured process. At Zurich, we work with you to understand the specific needs of your workforce and how our solutions can be tailored to meet them. Whether your employees are traveling across the globe or working in the office, we can help you design a Group Personal Accident program that aligns with your business objectives.

Our Group Personal Accident team is available to provide the information you need to make an informed decision. We believe in a collaborative approach, providing you with the details necessary to evaluate the protection framework you offer your team. When you're ready to explore your options, we encourage you to start a conversation.

Accident Medical Expense

Accident Medical Expense provides payments following accidental injuries requiring medical treatment. It can help cover additional out-of-pocket costs, like copays, deductibles, or co-insurance responsibilities.

Accidental Death and Dismemberment or Catastrophic Injury

This coverage provides a lump-sum payment or periodic cash payments following catastrophic accidents (high-severity, low-frequency accidents) resulting in death, dismemberment, critical burn, coma and other loss of use. It is an affordable supplement to other insurance that helps alleviate financial strains and ensure family financial continuity after a loss.

Accident In-Hospital

Hospitalization can mean unexpected dependent care expenses for injured employees and members. This coverage provides a lump-sum payment triggered by a hospitalization resulting from an accident and can help individuals cope with out-of-pocket costs, from high deductibles to childcare, due to a hospitalization.

Accident Disability

This can function as a safety net for those without short- or long-term disability insurance, or a supplement when such coverage would be insufficient. It provides payments following temporary and permanent disabilities resulting from an accident.

FAQs

Group Personal Accident Insurance provides payments for a wide range of accidents of various levels of severity and loss of life with no restriction on how the payouts are used. Plus, claim payments are made directly to the insured or the beneficiary of their choosing.

Zurich’s Group Personal Accident Insurance includes coverage options for Accident Medical Expense; Accidental Death and Dismemberment or Catastrophic Injury; Accident In-Hospital; and Accident Disability.

Offering Group Personal Accident insurance as part of a benefits package can help demonstrate a commitment to employee and member’s wellbeing and financial stability by providing useful coverage for difficult times.

The effects of a sudden accident could have a wide-spread impact – personally and professionally. In the event of a covered accident or accidental death, individuals or their beneficiary can receive a cash benefit. Individuals could use this benefit to help manage any sudden, significant expenses or lost income, allowing them to focus on recovery rather than finances.

Families who lose a loved one can use the Accidental Death benefit to help maintain their lifestyle or to help with any medical bills. Payment from a claim is theirs to use however they choose.