Competitive Coverage, Trusted Solutions Accident & Health
For insurance needs, Chubb Accident & Health stands out as a trusted provider of complete solutions to help manage risk. Serving employers, groups and individuals alike, Chubb Accident & Health provides broad coverage options and flexible programs, backed by solid underwriting, compliance, claims and market expertise. To manage risk is to be prepared. No one knows what will happen, but from years of experience, Chubb knows what can happen. Put the advantage of Chubb s financial strength, expertise and exceptional service to work for you. 2
Chubb Accident & Health Solutions Chubb Accident & Health offers highly valued products that can be customized to fit any organization s needs. Our programs and products serve three broad areas: Employee Benefits Accident coverage from Chubb helps provide peace of mind for employees and their families and helps to fulfill the duty of care obligation for employers and organizations. Plus, competitive insurance coverage attracts top-notch talent. Chubb Accident & Health is responsive to industry needs Special Risk Coverage options are available to covered members of groups or associations, to help pay the cost of injuries sustained by participation in sponsored events. and delivers customized, innovative program options to help manage risk. Consumer Solutions/Affinity Markets Programs available to account holders and/or members of financial institutions, associations affinity groups or membership clubs and loyalty programs that increase brand loyalty and the value of membership. Attractive insurance options can entice and retain members and give policyholders an edge over the competition. Whatever the application, you benefit from the total Chubb experience. Product expertise Industry responsiveness and understanding Broad coverage Flexible programs Claims and underwriting experience Administrative and distribution support Smart Choices for Businesses, Organizations and Individuals Chubb Accident & Health optimizes insurance solutions. Complements other insurance such as Workers Compensation or General Liability Strengthens existing risk management plans Provides attractive options to help fill gaps in an individual s medical coverage Offers standalone programs, issued on a voluntary basis Delivers market-driven solutions 3
Target Markets for AD&D and BTA 360º SM Include: Associations Employers Engineering Companies Financial Institutions Hospitals Law Firms Life Science Companies Manufacturing Companies Technology Companies Schools/Universities Utility Companies Innovative Solutions to Manage Risk Chubb Accident & Health has the core products and enhancements to provide comprehensive solutions. Basic and Voluntary Accidental Death & Dismemberment (AD&D) AD&D is an integral part of a risk management plan. Chubb s AD&D insurance coverage can help individuals and family members in the event an insured person is involved in a covered accident. Common coverage includes 24-hour worldwide business and pleasure insurance according to a comprehensive benefits schedule including accidental loss of life, limb, sight, speech, or hearing, with enhancements to account for reconstructive surgery, home health care, survivor benefits, natural disasters and more. Products include: Basic AD&D (Employer or Association paid) Voluntary AD&D (Employee or Member paid) Business Travel Accident (BTA 360 SM) This product is an attractive option for many businesses that want to help fulfill the duty of care obligation for employers and organizations when traveling. With BTA 360 SM, organizations can offer a complete business travel accident program that spans the globe. BTA 360 SM provides employees with AD&D benefits and evacuation for business travelers if there is a medical emergency or security threat while traveling on business. Coverage can include 24-hour worldwide insurance to/from/during business travel; medical evacuation; travel assistance; out of country medical; political evacuations; enhancements such as coverage for personal excursions; rehabilitation expense; travel between work and home; and spouse and dependent children accompanying the insured on a business trip or relocation travel. 4
Target Markets Include: Camps Day Care Centers K-12 Schools Motorsports Municipalities Religious Organizations National Governing Bodies Not for Profit Organizations Sports Organizations or Associations Participant Accident Programs Whether it s a church picnic or a group softball game, there s always a chance of injury. Participant Accident Insurance provides accident coverage for members of groups or associations participating in sponsored and supervised sporting activities or events, as well as club, church or civic group events or activities. Products include: Participant Accident Volunteer Accident Student Accident (K-12) Study Abroad (Higher Education) Core benefits include Accidental Death & Dismemberment and Accident Medical Expense, which can help pay the cost of treating an accidental injury, and can be enhanced to cover temporary total disability, paralysis and more. 5
Hospital Indemnity Plans Chubb can help employers and organizations better serve their employees and members with the incentive of voluntary coverage, packaged in competitively priced policies. Chubb introduced market-driven, innovative options to supplement traditional insurance, with features such as inflation adjustment and the option to use cash benefits to cover expenses such as mortgage payments or child care. Our Hospital Indemnity Plans provide covered individuals with a cash benefit that can be used as the insured chooses, such as paying for deductibles, mortgage payments, rent or other bills. This is especially attractive to employers, associations, financial institutions, and affinity groups who can fill the gap caused by employer shifts to high deductible medical plans. Products include: Accident Only Hospital Indemnity Plan Accident and Sickness Hospital Indemnity Plan Target Markets Include: Associations Employers Engineering Companies Financial Institutions Hospitals Law Firms Life Science Companies Manufacturing Companies Technology Companies Schools/Universities Utility Companies 6
Target Markets Include: Associations Financial Institutions Alumni Groups Fraternal Organizations Trade Associations Rotary and Chamber of Commerce Military Groups Sports Associations Unions Consumer Marketing Programs One program doesn t fit all. Changes in the marketplace have caused customers needs to change, and Chubb Accident & Health can help with a robust line-up of risk management solutions geared for consumers and affinity markets. These programs can supplement insureds current insurance policies and optimize their insurance choices. Coverage can include basic AD&D plans as well as help protect from identity theft or rented vehicle damage. Products include: Accidental Death & Dismemberment (AD&D) Thank you AD&D Hospital Indemnity Plans Accident Medical Expense Insurance Plans (AME) Accident Disability Insurance Plans Identity Theft Insurance Rented Vehicle Damage Personal Protection Insurance 7
More to Offer Chubb provides extensive resources to better understand product offerings. Our commitment to the industry is paramount: when it comes to exceeding expectations, Chubb delivers. For more information, contact your insurance agent or broker. Visit chubb.com/accident for more details about Chubb Accident & Health. Chubb Group of Insurance Companies Whitehouse Station, New Jersey 08889 www.chubb.com Form 44-01-0211 (Ed.10/13) Chubb refers to the insurers of the Chubb Group of Insurance Companies. The coverages described in this literature are not available in all jurisdictions. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions apply. Chubb, P.O. Box 1600, Whitehouse Station, NJ 08889.