Cigna Accident Insurance

Did you know that every 10 minutes, nearly 750 Americans suffer an injury severe enough to seek medical help?

No matter who you are or what you do, you could accidentally get hurt. And that accident may come with costs such as emergency room fees, specialty doctors bills or the cost of missing work.

With accident insurance through Cigna, you receive money paid directly to you to help pay for the expenses of a covered accident. This allows you to focus on what really matters, healing. Benefit amounts are based on the type of injury and treatment needed. 

Plan features include the following:
  • Benefits are paid for accidents that occur on or off the job, so you have 24-hour coverage.
  • You can elect coverage for your spouse and children.
  • There are no health questions or physical exams required to enroll.
  • If you change jobs or retire, you can take your policy with you.
  • Death benefit available.

Covered Injuries and Accident-related Expenses Include:

  • Fractures
  • Dislocations
  • Hospitalization
  • Death Benefit
  • Physical Therapy
  • Emergency Care Treatment
  • Ambulance Transport

A Health Screening Benefit is included, which pays an annual $50 incentive, per person, to you and your enrolled dependents, who receive a health screening or test (blood test, stress test, colonoscopy, chest x-ray, mammogram, biometric screening, etc.). You can even use the same annual exam from your Wellness Incentive requirements, to qualify for this benefit. 

Making Changes to Your Coverage:

When Can I Make the Change?


During Annual


New Hire


With a Qualifying

Life Event

Any Time During

the Year

Special Considerations

Enroll for Coverage



Not Allowed

Not Allowed

No EOI* Required

*This policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitation that may affect any benefits payable.  Please refer to plan documents for detailed plan information.