Motor vehicle and other unexpected accidents cause 29 million trips to the emergency room each year.* Unanticipated—and uncovered—after-treatment ER bills average over $600.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?
Accidental Injury Insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Benefits include:
* National Safety Council, Injury Facts®, 2017 Edition
** CNBC, "Many get hit with surprise 'out-of-network' bill after emergency rooms: Study," viewed 6-15-17 at http://www.cnbc.com/2016/11/16/many-get-hit-with-surprise-out-of-network-bill-after-emergency-rooms-study.html
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
How can this help me?
Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing that should be on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as the required copay, or the lost wages you or your spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point, you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.
Who is eligible?
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, you’ll collect benefits for a variety of covered events3, including:
You’ll also receive a lump-sum payment when you have these covered medical services/treatments3:
Will I have to take a medical exam to get this coverage?
1 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.
2 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate. See the Disclosure Statement or Outline of Coverage/ Disclosure Document for more details.
3 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.
GROUP ACCIDENTAL INJURY INSURANCE POLICIES PAY LIMITED ACCIDENT-ONLY BENEFITS. It does not cover all losses causes by sickness and is not intended to be a substitute for major medical insurance. Group Accidental Injury insurance policies are offered by Life Insurance Company of North America, except in NY where policies are offered by Cigna Life Insurance Company of New York, New York, NY. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. OK/TN policy form: GAI-00-1000. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
|Accident Insurance Flyer|
|Employee-Paid Accidental Injury Insurance 2018 (for all except WA employees)|
|Employee-Paid Accidental Injury Insurance 2018 (for only WA employees)|
|How to File a Claim|
|Schedule of Benefit|
|Schedule of Benefit WA|
|Voluntary with Cigna Choice Fund CDHP Customer Flyer|
|Voluntary Supplemental Health Solution Accidental Injury Customer Flyer|