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  • Home Employers Supplemental Health Insurance Accidental Injury Insurance

    Accidental Injury Insurance

    Additional coverage to help with out-of-pocket expenses resulting from life's unexpected accidents.

    Building a new benefits package?

    Let's Get Started

    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

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    Accident Insurance Coverage for Whole-Person Health

    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 child care can quickly add up. That's where Accidental Injury insurance from Cigna HealthcareSM* can offer support.

    Benefits of Accidental Injury Insurance for Your Employees

    Direct Payments

    A cash benefit is paid directly to covered person for a broad range of injuries or treatments associated with a covered accident.

    Flexible

    Employees can use the money however they want, including medical deductibles, child care, groceries, and more.

    Supplements a Medical Plan

    Benefits are paid in addition to other coverage an employee may have.

    Cost Effective

    Premium is conveniently deducted from an employee's paycheck at a low group rate.

    Benefits are Portable

    Employees can keep their coverage if they leave their employer.1

    Maximize employee benefit payments with Cigna Simple File®

    • Auto compare2 – For customers who also have medical coverage, we carefully review medical claims and remind customers to submit their eligible accidental injury claim.

    • Auto claim2 – For customers who also have our disability, life and/or accidental death and dismemberment (AD&D) coverage, we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.

    Video

    Accidental Injury Insurance

    Watch how our Accidental Injury insurance can offer employees financial coverage while recovering from an accident-related injury. (Length: 00:01:34)
    Watch Video

    *Insured by Cigna Health and Life Insurance Company 

    View Cigna Healthcare Company Names

    1 Under most plans, coverage is portable and ends at age 100.

    2 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.

    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

    Product availability may vary by location and plan type and is subject to change.  All group insurance policies may contain exclusions, limitations, reduction in benefits, and terms under which the policy may be continued in force or discontinued.  For costs and details of coverage, contact your Cigna Healthcare representative. 

    Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare names, logos, and marks are owned by Cigna Intellectual Property, Inc. Policy forms: GAI-00-1000, GAI-00-1000.OR et al.

    This page not intended for use in AZ, NV, OR, and PA.

    Accidental Injury Insurance

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    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna Healthcare.

    All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details