Group Personal Accident Insurance

Injuries can result in sudden, significant expenses like emergency room visits, x-rays, and even lost income if the insured can’t work due to an accident. These expenses can add up and may not be fully covered by a major medical plan. Zurich’s Group Personal Accident coverages can help your employees or members and their loved ones better prepare for the unexpected.

What is Group Personal Accident Insurance?

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.

What can Group Personal Accident Insurance cover?

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.

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.

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.

Hospitalization can mean lost or reduced wages and 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 or reduced wages, due to a hospitalization.

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.

Why offer Group Personal Accident Insurance?

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.

Want to learn more?

Connect with our Customer Inquiry Center for more information.

Related insurance offerings

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.

Learn more about Zurich Group Personal Accident Insurance.