Accident and Health
What is Accident and Health Insurance?
Accidental injuries and healthcare costs have climbed. 1 Accident and Health Insurance products can help organizations and individuals manage those trends, by providing a financial safety net for expenses that other insurance may not cover.
For over 20 years, Zurich North America has customized A&H products for employers and other groups. Today we’ve expanded our safety net with new solutions for the era of the gig economy and frequent business travel.
A sampling of our flexible offerings:
- Basic & Voluntary benefits such Personal Accident Insurance offered via employers
- Occupational accident coverages for independent contracts and gig economy workers
- Travel insurance and assistance provided through educational institutions, employers and other organizations
The solutions are diverse but the goal is shared: To help both organizations and individuals minimize coverage gaps and maximize their resilience.
Why Zurich
Expertise
From provincial regulatory knowledge to global capabilities for multinational companies, we consult with our customers to customize solutions. It starts with listening to their needs.
Flexibility
Coverages are modular, tailored for your group and structured for your budget. Whatever your choices, we can bundle them in a streamlined fashion.
Claims Service
Customer care is essential with Accident and Health claims. Zurich’s Claims service earns “Best in Class” scores from our customers. 2We’re there when it matters most.
Basic and Voluntary Employee Benefits
With Zurich’s Basic & Voluntary Benefits, the premium can be employer-paid, employee-paid or a combination. Regardless, the benefit is paid directly to an employee who experiences a covered event. The payment can be used as the employee chooses, such as for co-pays, household bills or a trip to celebrate a recovery milestone.
Occupational Accident
Growth in the gig economy has opened new pathways for independent contractors to earn income and for companies to get things done. New opportunities can bring risks, such as gaps in work injury coverage. Our insurance for the gig economy can help fill those gaps.
Our solution provides accident coverage for independent contractors, paying medical expenses and disability income if the contractor is injured while working. Coverages are available for a wide range of independent contractors — such as home health care workers, landscapers, dog walkers and delivery drivers — through the companies and platforms that connect them with work.
Zurich’s accident insurance for the gig economy empowers individuals and organizations to pursue their goals their way.
Special Risk
From youth sports to adult civic groups and public ride users, organized activities enrich our lives …but they are not without risks. Zurich customizes participant accident and injury coverage for amateur and youth sports teams and non-employee participants in activities or events sponsored by day care centers, youth groups, non-school sports teams, and recreational and civic organizations.
Our Special Risk Insurance provides coverage and other special risk solutions with one goal in mind: protecting both participants and organizations. With the right protection in place, it’s easier to encourage participation, connection and community — throughout life.
Business Travel Accident
Helps employers fulfill their care responsibilities to employees traveling on the company’s behalf, whether it’s a local trip, out of state, or out of the country. Zurich Travel Assist can support employees during medical, security and travel emergencies 100 kilometers or more from home.
Tools and Solutions
Travel assistance
Our renowned Zurich Travel Assist services provide all-hours support for medical, travel and security emergencies around the world. The mobile app offers real-time travel alerts, emergency support and security information on over 230 destinations worldwide. We can also coordinate with other travel assistance providers.
Claims service
Zurich is there when travelers need us most. Zurich Travel Assist offers access to our global network of medical providers and other emergency support 24/7. Zurich customers rank our Claims service as Best in Class.2
Related industries and products
1. “Death rate for accidents (unintentional injuries) in Canada from 2000 to 2019” Statistica.
2. Zurich Closed Claims Net Promoter Score: 83 (January 2017-June 2019). “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia.