Even when precautions are taken, accidents can still happen. Accidental injuries can lead to unexpected medical expenses from emergency room visits, diagnostic tests and time away from work to recover. 


The expenses associated with an accidental injury are likely to be out-of-pocket and can cause an unexpected financial hardship. Chubb’s Accident Medical Expense benefit will reimburse the insured person for out-of-pocket medical expenses incurred as a result of an accident. In addition, coverage for accidental death and dismemberment is also included. 


Plan Benefits 

  • Accident Medical Expense - reimburses the insured person for out of pocket medical expenses incurred as a result of a covered accident. 
  • Accidental Death & Dismemberment – pays a lump sum cash benefit in the event of death or dismemberment due to an accident. 


Plan Features 

  • Eligible for ages 18-80 
  • Guaranteed issue 
  • No waiting periods 
  • Reimbursement benefits are paid directly to the insured person 
  • Underwritten by Federal Insurance Company, a Chubb company. (2017 A.M. Best Rated A++ (Superior)* 


General Exclusions 

No benefits will be paid for any Accident caused by or resulting from any of the following: 

Riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member; emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof; commission or attempted commission of any illegal act, including but not limited to any felony; any occurrence while incarcerated after conviction; intoxication while operating a motorized vehicle; being under the influence of any narcotic or other controlled substance; participation in a motorized vehicular race or speed contest; participation in military action while in active military service; suicide, attempted suicide or intentionally self-inflicted injury; declared or undeclared War.

This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself. 

*A.M.Best rating ranges from A++ to D. This rating is an indication of the company’s financial strength and ability to meet obligations to its insureds.

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