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Voluntary Benefits


What are Voluntary Benefits?

In the quest to recruit and retain top talent, more employers are building Voluntary Benefits into their employee benefits package.1 Innovative elective products, such as Critical Illness Insurance, Hospital Indemnity coverage and Group Personal Accident coverage, have become affordable supplemental insurance options to help employees manage sudden, substantial out-of-pocket costs in the era of high deductibles and co-pays.

With Zurich’s Voluntary Benefits, the premium can be employer-paid, employee-paid or a combination. Regardless, the benefit is paid directly to an employee who experiences a covered event. The payment can be used as the employee chooses, such as for co-pays, household bills or a trip to celebrate a recovery milestone.

Why Zurich?

Broader coverages
Our offerings go beyond catastrophic AD&D (accidental death and dismemberment). Coverage options span the spectrum, and family coverage is available.

Simplified administration
Organizations can select coverages that their population will value, and Zurich can bundle them to simplify employee communication and administration.

Claims service
Customer care is essential with health-related benefits. Zurich’s Claims service earns “Best in Class” scores from our customers.2 We are there when it matters most.



Critical Illness Insurance

Provides payments upon diagnosis of a range of illnesses, events and conditions outlined in the policy, such as cancer, heart attack and organ failure and certain childhood diseases and conditions.


Hospital Indemnity Insurance

Provides payments triggered by a hospitalization due to an illness, accident or childbirth. Base coverage is compatible with high-deductible health plans that include a health savings account (HSA).


Group Personal Accident Insurance

Provides payments for accidents of various levels of severity. May include accident medical expense, accidental disability, hospitalization, death or dismemberment, loss of use of a limb, critical burn, coma and more.

man with blue luggage

Travel Insurance

Zurich Travel Assist™ provides travel, medical and security assistance 24/7 to business travelers and covered dependents traveling more than 100 miles from home. Coverage can extend to personal travel.


Related industry and insurance

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Life and absence management solutions

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Professional Liability

1 Wooldridge, S. “Voluntary benefits: How they’ve become a must-have product for brokers.” BenefitsPRO. 28 June 2018.
2 Based on Zurich Closed Claims Net Promoter Score of 83, January 2017-June 2019. “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia.