Life’s surprises can impact your financial well-being without warning. Cigna’s Accidental Injury coverage is your shield against the unexpected, offering a supplementary layer to your health plan.
Safeguard yourself and your family with the added financial protection necessary for unforeseen covered accidents.
This insurance is designed to aid in your physical, emotional, and financial recovery, ensuring a resilient and secure future.
With Cigna Accidental Injury insurance, you receive benefits to assist in covering expenses related to a covered accident or injury.
This includes support for:
- Initial and emergency care
- Hospitalizations
- Fractures and Dislocations
- Follow-Up Care
- Wellness Benefits
Enjoy the flexibility of a cash benefit directly paid to you, devoid of copays, deductibles, coinsurance, or network requirements.
The funds are at your disposal to be used as you see fit – whether for medical copays, deductibles, travel to specialist appointments, childcare, household assistance, alternative treatments, and more.
The power to allocate the funds rests entirely with you.
Embrace cost-effective coverage by enrolling through your employer, securing this invaluable protection at a favorable group rate.
Moreover, the portability feature ensures that you can take your coverage with you if you transition from your current employer, with the added benefit of unchanged coverage terms.
Your well-being and financial security remain steadfast, providing you with peace of mind every day.
Tailored Assistance for Body and Mind Rehabilitation
Beyond offering additional financial security, Cigna Accident Insurance provides, at no extra charge for plan participants:
- Financial Recovery Support: Access a suite of tools and resources to facilitate your financial recovery journey. Find optimal care at reasonable costs, complemented by exclusive discounts on recovery services. For a comprehensive overview, refer to the Value-Added Services Flyer.
- Emotional Recovery Services: Avail yourself of complimentary expert legal and financial counseling, including personalized money coaching to support your emotional well-being. Delve into the details in the Value-Added Services Flyer for a thorough understanding of the additional services offered.
Cigna Accident Insurance goes beyond the traditional, ensuring you receive personalized support for both your physical and emotional recovery needs, making your overall well-being a top priority.
Coverage Eligibility:
You (Active Employee):
- Requirement: Regularly working a minimum of 20 hours per week
- Citizenship: United States citizens and permanent resident aliens
- Residency: Regularly working and residing in the United States
- Coverage Eligibility: Immediate
Your Spouse/Domestic Partner:
- Age Limit: Up to 99
- Eligibility: Upon applying for and receiving individual approval for coverage
Your Child(ren):
- Age Limit: Birth to 26; 26+ if disabled
- Eligibility: Upon applying for and receiving individual approval for coverage
Available Coverage:
- Type: Accidental Injury plan (Off-the-job coverage)
- Benefit Payment: Regardless of actual expenses incurred
- Payment Trigger: When all policy terms and conditions are met
Enhanced Accident Benefits:
- Examples:
- Small Lacerations: $100
- Large Lacerations: $600
- Coma (lasting 7 days with no response): $10,000
- Concussion: $150
- Plus up to 22 additional benefits (Refer to certificate for details, including limitations and exclusions)
Portability Feature:
- Continuation: You, your spouse, and child(ren) can continue 100% of coverage upon leaving the employer
- Age Limit: Coverage up to age 99
- Conditions: Applies to United States Citizens and Permanent Resident Aliens residing in the United States
Bi-Weekly Cost of Coverage:
- Employee: $4.61
- Employee and spouse: $7.94
- Employee and child(ren): $7.62
- Family: $9.57
- Note: Costs subject to change, actual premiums may slightly differ due to rounding
Important Definitions and Policy Provisions:
Coverage Type:
- Benefits paid for a covered injury resulting directly from a Covered Accident
Covered Accident:
- Sudden, unforeseeable, external event causing Covered Injury or Covered Loss
- Excludes contribution from disease, sickness, or mental/bodily infirmity
- Not otherwise excluded under policy terms
Hospital:
- Licensed institution primarily providing medical care and treatment
- Managed under medical doctor supervision
- Provides 24-hour nursing services
- Excludes certain types of facilities
When Coverage Begins:
- Effective date: Later of the program’s effective date, eligibility, or the first of the month following receipt of enrollment form
- Active work requirement on effective date
When Coverage Ends:
- Ends when no longer eligible, group policy expires, or last paid premium date
- Continuation possible under certain circumstances
30 Day Right To Examine Certificate:
- Satisfaction guarantee; Certificate return within 30 days for a full premium refund
- Certificate void as if never issued
Benefit Conditions and Limitations:
- Document provides highlights; specific Benefit Conditions and Limitations apply
- Claims subject to terms in the group policy
Common Exclusions:
- In addition to specific exclusions, no payments for losses caused directly or indirectly by certain events
- Actual policy terms may vary based on plan design and location
Also read: K–12 Student Accident Insurance
Specific Benefit Exclusions & Limitations:
- Ground Ambulance/Air Ambulance:
- Services provided from the scene or within 90 days of the Covered Accident
- Limits: Payable once per Covered Accident, per Covered Person; limit 1 benefit per month
- Excludes: Treatment by an Immediate family member, clinic, or doctor’s office
- Emergency Care Treatment:
- Treatment within 30 days of the Covered Accident
- Limits: Payable once per Covered Accident, per Covered Person; limit 1 Covered Accident per month
- Excludes: Treatment by an Immediate family member, clinic, or doctor’s office
- Diagnostic Exam:
- Treatment within 90 days of the Covered Accident
- Limits: Payable once per Covered Accident, per Covered Person
- Physician Office Visit:
- Diagnosed and treated by a Physician within 90 days of the Covered Accident
- Limits: Payable once per Covered Accident, per Covered Person
- Excludes: Routine health examinations or immunizations for Covered Persons Age 60 and older, visits for Mental or Nervous Disorders, visits by a surgeon while Confined to a Hospital
- Hospital Admission:
- Inpatient admission within 90 days of the Covered Accident
- Limits: Payable once per Covered Accident; limit 1 benefit per month
- Excludes: Treatment in an emergency room, outpatient basis, or re-admission for the same Covered Accident