Accident Coverage for Those Unexpected Moments
Accidents are the leading cause of death for Americans under the age of 40, and the 5th leading cause for people of all ages.*
Most people may not think about additional insurance in the event of an accident. Accident insurance can help pay family expenses in the event of serious injury or death as a result of an accident.
Personal Accident insurance is an affordable supplement to life insurance. Accident insurance is important because it can help close the coverage gaps left by other insurance coverage programs such as Life, Health, Workers' Compensation and Disability. These other programs have limitations Accident insurance can address.
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Benefits
With CIGNA's Personal Accident coverage, you have the opportunity to receive high-limit protection – up to 10 times your salary – without having to provide medical evidence of insurability. Low-cost guaranteed coverage is also available for your spouse and dependent children.
We take care of the people who are left behind after a loss. Our CIGNAssurance ProgramsSM for beneficiaries is one of the most comprehensive packages of financial, bereavement and legal services in the marketplace. It's automatically included with all our Personal Accident insurance policies, at no additional costs. And, unlike other carriers that require a minimum benefit payment of $10,000, our services are offered to all beneficiaries with benefit payments over $5,000.
Your employer may offer CIGNA's Secure Travel® program that offers you and your family the assistance you'll need for medical emergencies while traveling almost anywhere in the world. This coverage provides comprehensive protection 24 hours a day, 365 days a year. Features include:
- referrals to medical and prescription assistance,
- medical evacuation and family transportation,
- access to translation and interpretation services.
There are a wide range of coverage options available and depending on the options your employer has chosen, your plan may include:
- Accidental burn and disfigurement
- Bereavement and trauma counseling
- Brain damage
- Hospital stay
- Vehicle modification
- Physical therapy
- Commuter benefit
- Carjacking benefit
Contact your employer today to learn more.
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FAQ
Am I protected in remote areas of the world?
Yes – CIGNA Secure Travel® helps arrange transport for employees to the nearest medical facilities during emergencies and also provides referrals for local medical, legal and financial assistance, as needed. CIGNA Secure Travel coverage may vary.
Are there any other programs I should know about?
Yes. The CIGNAssurance® Program for Beneficiaries provides financial, bereavement and legal assistance for those dealing with the loss of a loved one.
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