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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Coverage
Capacity
- 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 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 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 man, partnership or shareholder protection
- Associations / affinity organizations
- Unions
- K-12 (U.S. only)
- Student travel
- Volunteer / religious group travel
- Participant accident
- Financial institutions
