Accident Injury Insurance | Cigna

Accident Injury Insurance | Cigna
X
X

Accidental Injury Insurance

Can help ease the financial impact that comes with unexpected accident expenses.
Enroll

Following text must be added to bottom left hand corner on Client homepage if they have this product.

 

Insured by Cigna Health and Life Insurance Company
991224

Here's what you need to know

Accidental Injury Insurance is a valuable financial resource if a covered accident takes you (and your budget) by surprise.

 

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling Accidental Injury Insurance. Once you’re enrolled in this insurance, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills.

 

  • Pays a benefit for you to use however you want
  • Benefits may be paid directly to you or anyone you designate, such as a hospital, upon assignment.
  • It can help pay out-of-pocket expenses related to medical care associated with covered accidents
  • In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

 

You can collect this benefit in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law.

Healing from an accident injury can be costly to your budget in 2 ways:

 

  • Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.  
  • Lost wages. Your accident recovery could mean taking time out of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.

 

You may use your Accidental Injury Insurance benefits any way you choose. It’s 100% your call how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses – anything that becomes a financial concern if you lose income while you’re out of work.

 

Access to this insurance can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

These are the periods when you are eligible to enroll for Accidental Injury Insurance:

  • Within your new hire enrollment period 
  • If you have a qualifying life event (you get married, have a baby, etc.)
  • During your employer’s annual enrollment 

 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

 

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you may qualify for Accidental Injury Insurance without answering health questions. You must have this insurance in place before an accident happens in order to be eligible to collect the benefit when you need it.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

[Add brochures or plan overviews here if provided.]

 

Cigna How to File a Claim

 

MyCigna Flyer

How It Works

Number one Enroll now icon

You enroll in Accidental Injury Insurance

Number two Ambulance icon

After Insurance is in effect, you are injured in a covered accident 

Number three Giving money icon

Receive a benefit payment

Number four moneybag icon

Use your money however you want

You are injured in a covered accident.

View More
Close X

That’s when Accidental Injury Insurance comes in.

Because you have Accidental Injury Insurance, you get a cash benefit payment you can use for out-of-pocket expenses – or even put toward regular monthly bills.

Frequently Asked Questions

    Handshake Icon

  • Who is the provider?

    Cigna Healthcare

     

    Cigna HealthcareSM is a global health services company dedicated to improving the health, well-being, and peace of mind of those we serve. With more than 180 million customer and patient relationships in more than 30 countries and jurisdictions, we are able to harness actionable insights that address whole-person health and drive better health outcomes.

    • money paper icon

  • When is a benefit paid under the plan?
    Once your insurance is effective, you’ll receive benefits for a covered accident. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. This plan provides protection for covered events experienced while off the job only. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
    • people icon

  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for this insurance include:

    • [You – if you are an active employee]
    • [Your legal spouse]
    • [Your eligible dependent children]

     

    You must be enrolled in coverage for members of your family to also enroll. 

    • hand coin icon

  • How much does this insurance cost?

    This is group insurance offered at group rates. Refer to the policy documents for complete details. 
    medical-clipboard icon

  • Do I have to answer health questions or take a medical exam?
    No, you don’t. If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you may qualify for insurance without answering health questions.
    • transition circle icon

  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you can continue your Accident Insurance without interruption (subject to applicable law and the policy’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
    • calendar icon

  • When would my coverage start?

    Coverage is effective on the 1st of the month after coverage is approved by Cigna Healthcare.
    • wallet money icon

  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared with extra cash when one catches you off guard. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses. It can feel empowering to have this kind of flexibility.

Are you ready To Enroll?

Act now to elect Accidental Injury Insurance to help offset expenses that may not be covered by other insurance.
Enroll

Do You Need Help?

Our team is ready

M-F 8a-5p CT

Phone Number: 1-800-000-0000

 

 

 

 

  • Carrier Disclaimers

    Offered by Cigna Health and Life Insurance Company.

     

    THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.

     

    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.

     

    © ^^ 2023 Cigna Healthcare. Some content provided under license.

     

    Not available for use in NM.

     

    991225

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation