Features & Benefits
When On the Road, Your Employees Are Not Alone
As an Accident provider for more than 40 years, CIGNA can take on many risks other providers can't or won't in the business travel arena – and we do so at a more competitive price. Our willingness to take on risk is based on solid underwriting, sustainable earnings, financial stability and reinsurance buying power.
The bottom line? We can take care of traveling employees – just about anywhere in the world they do business.
As more employees travel on business, more often, they face greater exposure to the risks of traveling. Whether it's across town or across oceans, accident risk is present.
Our Business Travel program provides benefits in the event of death or serious injury. Options include:
Full-Occupational coverage
Expanded coverage includes protection over a full range of job activities.
War-Risk coverage
For accidents that occur when traveling to a designated "hot zone" (countries in a state of war, either declared or undeclared).
Business and Pleasure coverage
24-hour worldwide protection: on or off the job. Coverage can include spouses and children, too.
Piloting and Owned Aircraft coverage
For accidents occurring on company-owned, company-leased or company-controlled aircraft.
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How It Works
Passport To Exceptional Service
CIGNA's Business Travel Accident insurance offers your employees comprehensive coverage at affordable premiums and offers a full spectrum of services including:
- High-limit, employer-paid financial protection
- Lower premiums than other forms of insurance
- Multi-national coverage for U.S.-based firms
Business travel involves risk – protect your employees' financial future. Contact your CIGNA sales representative today to learn more.
Worldwide Accident Assistance
With CIGNA Secure Travel®, your employees and their family – traveling on personal or business trips – have access to the assistance they'll need for medical emergencies, in most countries while traveling at least 100 miles from home. CIGNA Secure Travel® helps arrange transport for your employee to the nearest medical facility during medical emergencies, and also provides referrals to local medical, legal and financial assistance, as needed.
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Employer Advantages
You have additional benefits available to you with CIGNA's Accident Insurance that will provide your employees with an extra measure of protection. Optional benefits can include:
Living benefits – are supplemental benefits that apply to insured employees who suffer a lost caused by a covered accident but remain alive:
- Bereavement and Trauma Counseling
- Rehabilitation
- Hospital Stay
- Home Recuperation
- Carjacking
- Seatbelt and Airbag
Extended benefits — provide either additional coverage, or further clarification of benefits not addressed in the general policy:
- Terrorism
- Owned Aircraft (policyholder)
- War Risk
Talk to your CIGNA sales representative regarding state availability and for additional information about these benefits.
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Unlike other providers who handle both life and accident claims in the same unit, CIGNA has a dedicated accident unit that offers greater depth of knowledge and the expertise required to handle unique accident claims.
Our accident underwriting and claims specialists have an average of 10 years experience. CIGNA is also one of the few provides to offer regional accident experts to support you as needed. This demonstrated accident expertise is one of the reasons we are able to keep premium costs low.
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FAQ
What programs are associated with CIGNA Business Travel Accident Plan?
There are two. CIGNAssurance Program® for Beneficiaries provides financial, bereavement and legal assistance for those dealing with the loss of a loved one. And CIGNA Secure Travel ® helps arrange transport for employees to the nearest medical facility during emergencies and also provides referrals for local medical, legal and financial assistance, as needed. CIGNA Secure Travel coverage may vary.
Our company has no international offices. Is this really a worthwhile benefit?
Yes! Ask yourself these questions...Do you have any employees who travel on domestic business? Do you have multiple offices (city, state, region, country)? Do you have employees that drive company-owned vehicles? This is a worthwhile benefit for any employee who travels on behalf of your company.
We send many of our employees overseas for assignments. What other options can we offer them for peace of mind?
When you combine CIGNA Accident and Life programs, you offer your employees more comprehensive financial protection when loss occurs. Business Travel Accident Insurance is another important addition to any Accident policy that will cover your employees while traveling domestically or overseas. With CIGNA Secure Travel ®, CIGNA can offer employees and their families (with Personal or Business Travel coverage) access to aid they need during medical emergencies. This can include medical transport, translation services, help with lost or stolen items, hospital referrals, and financial assistance.
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