Accident and Health Insurance

Zurich’s Basic & Voluntary Insurance benefits offer flexible premium options that can be covered by the employer, the employee, or a combination of both. When an employee experiences a covered event, benefits are paid directly to them, providing immediate financial relief. This payment empowers employees with the freedom to use the funds as they wish. With Zurich, you have the security and flexibility to support your employees when they need it most.

Our solution offers accident coverage for employees and employers, covering medical expenses and disability income if they are injured while working. This coverage is often used as a supplement or alternative to worker’s compensation insurance. A special risk plan for emergency responders, it provides benefits tailored to the occupation when unexpected accidents or injuries happen in the line of duty. Whether it’s physical or mental well-being, this policy has it covered.

The growth of the gig economy has created new opportunities for independent contractors to earn income and for companies to accomplish tasks efficiently. However, these opportunities can also introduce risks, such as gaps in work injury coverage. Our Gig Economy Insurance helps fill those gaps.

Zurich’s accident insurance for the gig economy empowers individuals and organizations to pursue their goals with confidence.

While organized activities enrich our lives, they also come with inherent risks. Recreational organizations, civic groups, and similar entities often require special accident coverage for their participants, and Zurich offers tailored solutions that cover a variety of group sizes, ensuring peace of mind and encouraging active participation.

From youth sports to adult civic groups, Zurich provides customized accident and injury coverage for a wide range of participants. This includes amateur and youth sports teams, volunteers in activities sponsored by day care centers, youth groups, non-school sports teams, and recreational and civic organizations.

Our Participant Accident Insurance protects both participants and organizations, making it easier to foster participation, connection, and community throughout life.

As your employees travel, they’re exposed to increased risks such as accidents, illness, natural disasters, terrorism, and a host of other travel risks. Zurich Business Travel Solutions can help you fulfill your duty of care to protect the health, safety, and wellbeing of your employees while traveling for business.

As an employer, it's crucial to ensure a safe working environment and mitigate these risks. Zurich Travel Assist supports employees during medical, security, and travel emergencies while away from home with a fair, transparent, and people-first approach.

From preschool through college, Zurich’s Student Accident Insurance helps protect both students and the institutions that serve them. Zurich provides tailored insurance solutions for students and staff, encompassing core coverages and value-added services. Schools and school districts can offer coverage that benefits their students, while also safeguarding against potential lawsuits. This comprehensive protection ensures peace of mind for students and educational institutions sponsoring international journeys.

Group Emergency Medical Insurance is designed to cover the financial risks and losses associated with traveling for school, work, leisure, or sporting events. Zurich's travel insurance offers comprehensive protection for a range of unforeseen events that could occur before or during your trip, including medical coverage for illnesses or injuries. Additional coverage for trip cancellation or interruption for non-refundable costs, and compensation for lost or delayed luggage can be added to your policy. We’re with you every step of the way, offering 24/7 emergency assistance whenever you need it.

Our group Critical Illness Insurance is designed to ease financial stress if you are diagnosed with a covered critical illness. It provides a lump sum cash benefit to help cover expenses related to major health events that may not be fully covered by standard health insurance. Coverage options and enhancements include family plans, generous limits, and added benefits for lodging, hospitalization, transportation, and more.