When On the Road, Your Clients' Employees Are Not Alone
As an Accident provider for more than 50 years, CIGNA can take on many risks other provides 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 are traveling on company business, they face greater exposure to a variety of risks. Whether it's across town or across the ocean, Accident insurance offers a peace of mind while traveling.
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 on-the-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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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:
- Felonious Crime
- 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 provides who handle both life and accident claims in the same unit, CIGNA has a dedicated accident claims team that offers a greater depth of knowledge and expertise that is required to handle unique accident claims.
Our accident underwriting and claims specialists have an average of 10 years experience. CIGNA is also on of the few provides to offer regional accident experts to support your client as needed. This demonstrated accident expertise and commitment to the business 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. CIGNA Secure Travel ® provides a wide-range of travel assistance services, including the arrangement of transport for employees to the nearest medical facility during emergencies and referrals for local medical, legal and financial assistance, as needed.
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 access to assistance they need during medical emergencies. This can include medical transport, translation services, help with lost or stolen items, hospital referrals, and financial assistance.
Is Accident Insurance a new offering?
CIGNA is a leader in the Accident industry and has been offering coverage for more than 50 years. Because Accident is a primary product, CIGNA will take on the risk that many other carriers won't. CIGNA's expert underwriters and Regional Accident Specialists will support your employees every step of the way.
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