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Accident and Health Insurance

AXA XL Insurance’s Accident & Health team provides tailored group accident insurance solutions for a wide range of programs and groups. We have the ability to mix and match a comprehensive list of hazards and coverage’s, resulting in a large array of flexible plan - design options.

Product details


  • Up to USD 10 million any one person
  • USD 50 million any event


Hazards Insured

  • 24-hour exposures
  • Business travel
  • Owned aircraft / piloting
  • War and similar risks
  • Common carrier
  • Public conveyance
  • Commuting
  • Occupational exposures
  • Key man and partnership protection
  • Private flying
  • Professional flying
  • Sponsored activities
  • School activities
  • Amateur sport

Core Accident and Health Insurance Coverages

  • Accidental death
  • Accidental dismemberment
  • Paralysis / Loss of use
  • Accident-only medical expense
  • Accident and sickness medical expense for short-term overseas travel
  • Expatriate medical Expenses / International medical plans (excluding US)
  • Accident-only weekly indemnity
  • Accident-only hospital cash
  • Accident / Sickness weekly indemnity (excluding US)
  • Accident / Sickness hospital cash (excluding US)
  • Permanent total disability (accident-only or accident/sickness, excluding US)
  • Ancillary travel accident coverage such as baggage, money, cancelation, etc.

Additional Accident and Health Insurance Coverages Available

  • Airbag / seatbelt
  • Bereavement and trauma counseling
  • Bomb scare, bomb search or bomb explosion
  • Bulletproof vest
  • Burial and cremation
  • Child care center
  • Critical illness / cancer
  • Broken bones / Severe burns
  • Emergency room
  • Escalator
  • Felonious assault and violent crime
  • HIV occupational accident
  • Home alteration and vehicle modification
  • Medical evacuation
  • Rehabilitation
  • Repatriation of remains
  • Special education
  • Waiver of premium

Coverage is not available in all jurisdictions or on all AXA platforms.

Certain support services are provided by select third-party providers.

Client Profiles

  • Multinational, large and SME employers
  • Employer-sponsored group plans
  • Key man, partnership or shareholder protection
  • Associations / affinity organizations
  • Unions
  • K-12 (US only)
  • Student travel
  • Volunteer / religious group travel
  • Participant accident
  • Financial institutions

Typical Information Required

  • Benefits and operative time of the coverage
  • Policy conditions sought
  • Full details of the persons to be insured, including age and other profile information relevant to risk assessment
  • Claims and/or incident experience

Benefits & Services

  • Simple, low-cost accident and health insurance packages
  • Customized plan design options
  • Mandatory and voluntary coverage offered
  • Assistance services available
  • Stated as a flat amount, a multiple of earnings, percentage of principal sum or as an expense reimbursement
  • Indemnity benefits typically paid in addition to any other group or individual coverage

Learn more about our Protect & Assist- (for Asia) here

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

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