Accident and Health Insurance

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.

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.