Nobody wants to think about accidents. But when something happens, you want to help your employees focus on getting better, and worry less about medical bills. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation and childcare can quickly add up. Voluntary benefits such as accidental injury coverage can offer a cost-effective solution and bolster your organization's benefit package. They also help give employees more control over their coverage and can help them feel more comfortable with choosing a high-deductible health plan.
How it Works for your Employees
- A payment is made directly to the covered person (or their designee for a broad range of injuries or treatments associated with a covered accident.
- No restrictions on how the money can be used. Coverage continues after the first covered accident – helping provide additional protection for any future accidents.
- Separate from a medical plan. Employees do not have to be enrolled in a medical plan to elect Cigna's Accidental Injury insurance.
- Cost-effective coverage. Benefits are offered on an employee-paid basis, but employees sign up at economical group rates, so they may pay less for coverage than if they purchased coverage individually.
- Maximize employee benefit payments with Cigna Simple File®.
Auto compare* – We carefully review Cigna medical claims and remind customers to submit their eligible accidental injury, critical illness, or hospital care (indemnity) claim.
Auto claim* – For customers who also have Cigna's disability, life and/or accidental death and dismemberment (AD&D) insurance – we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.
- Convenience. No copays, deductibles, coinsurance restrictions or network requirements to worry about, and insurance premiums can be deducted from employee paychecks.
- Benefits are portable. Employees can keep their coverage if they leave their employer.1
Value-add Programs and Services
With Cigna Accidental Injury insurance, your employees and their families have access to a suite of programs and services available for use at any time.2
- My Secure AdvantageTM
My Secure AdvantageTM is a full service financial wellness program that offers solutions to all types of personal financial challenges. The program includes access to expert "money coaching" for many types of financial needs, identity theft resolution and protection, online will preparation, educational webinars, access to a library of financial tools, forms and tips, and more.
- Cigna Healthy Rewards®
Cigna Healthy Rewards® offers discounts for you and your family members on a wide range of health and wellness products and services, including nutrition and weight management, alternative medicine, fitness and mind/body programs and equipment, hearing and vision care, and more.
- Cigna Health Advocacy Services
Cigna Health Advocacy Services offers personalized assistance to help you and your family members, including parents and parents-in-law, navigate a wide range of health care and health insurance challenges.
*The Simple File process is based on a one-time assessment of the initial claim documentation for the primary claim. Any subsequent events would not be identified.
1 Under most plans, coverage is portable and ends at age 100
2 These programs are NOT insurance and do not provide reimbursement for financial losses. Program availability may vary by plan type and location and is subject to change. Employees are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third-party vendors who are solely responsible for their products and services. Presented here are only the highlights of these programs. Full terms, conditions and exclusions are contained in the applicable client program description and/or vendor service agreement.
3 This program is available at the option of the employer for an additional cost and not available to Health Advocate, Inc. existing clients.
Group Accidental Injury insurance is offered by Life Insurance Company of North America, except in NY where policies are insured by Cigna Life Insurance Company of New York (New York, NY). Plans may not be available in all areas. All group insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative. Policy forms: GAI-00-1000, GAI-00-1000.OR et al.
GROUP ACCIDENT INSURANCE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT A MEDICAID OR MEDICARE SUPPLEMENT POLICY