Product Family

Accident and Health Insurance

Because your employees are your greatest asset. With AXA XL’s Accident & Health coverages, your employees – or group members / participants – will be taken care of promptly, professionally and compassionately in the event of an accident or illness. We offer a comprehensive array of coverages that can be tailored to your organization’s specific needs, backed by a global network of service providers that is available 24/7 to support even the most difficult situations.

Risk Consulting

Risk consultants providing comprehensive risk management solutions based on an understanding of client business priorities and goals.

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

Hazards Insured

  • 24-hour exposures
  • Business travel
  • Owned aircraft / piloting
  • War and similar risks
  • Common carrier
  • Public conveyance
  • Commuting
  • Occupational exposures
  • Key person 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 U.S.)
  • Accident-only weekly indemnity
  • Accident-only hospital cash
  • Accident / Sickness weekly indemnity (excluding U.S.)
  • Accident / Sickness hospital cash (excluding U.S.)
  • Permanent total disability (accident-only or accident/sickness, excluding U.S.)
  • Ancillary travel accident coverage such as baggage, money, cancellation, 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.

Benefits and Services

  • Simple, low-cost accident and health insurance packages
  • Customized plan design option
  • 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

Client Profiles

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

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 wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. 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.

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