Accident & Health (A&H) insurance is purchased by organizations and individuals seeking financial protection for expenses that other insurance may not cover and to address uninsured or underinsured exposures. Increased travel and event-related accident, sickness and security exposures, the upward trajectory of major medical deductibles, a thriving Gig economy, and the ability to attract and retain employees, are all cited as reasons organizations choose to add A&H coverage to their risk management and benefit programs.
USA – Accident Health (A&H)
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Business Travel Accident
Increased travel and event-related accident, sickness and security exposures and the prevalence of essential duty of care responsibilities, have created greater demand for Travel Risk Management coverages. Allied World’s Accident and Health (A&H) insurance offerings are well-suited for multinational corporations underserved by traditional business travel accident programs.
Main Benefits and Services
- Accidental Death & Dismemberment (AD&D)
- Emergency Medical Evacuation, Repatriation of Remains and Out of Country Medical
- Security Evacuation in the event of political unrest or a natural disaster
- Travel, medical and security assistance via a global network available 24/7
Optional Benefits
- Travel Inconvenience Benefits including Trip Cancellation, Interruption, Delay and Lost Baggage
- War Risk coverage
- Over 50 additional value-added benefits to choose from
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Scholastic Travel
Students (High School, Higher Education), faculty and administrators, participants in work exchange programs and international internships and other non-profit organizations face a variety of exposures when traveling outside their home country. Allied World’s Scholastic Travel Accident & Sickness insurance will help cover gaps in coverage by combining valuable benefits and services into a single duty of care package that protects students and staff while traveling internationally.
Coverage Highlights
A valuable Risk Management tool, our offering helps to address the following:
- Traveler duty of care obligations
- Foreign travel medical insurance needs and foreign country travel insurance requirements
- Risk mitigation for pandemic, territorial hostilities, political unrest and natural disasters
- Financial hardship due to cancelled or interrupted travel and loss of personal belongings while traveling
Main Benefits and Services
- High Limit Out of Country Medical coverage
- Emergency Medical Evacuation and Repatriation of Remains
- Security Evacuation in the event of political unrest or a natural disaster
- Travel Inconvenience Benefits including Trip Cancellation, Interruption or Delay and Lost Baggage
- Travel, medical and security assistance via a global network available 24/7
- Accidental Death & Dismemberment (AD&D)
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Special Risk
Accidents happen. But with the right plan in place, groups can respond confidently. Allied World’s A&H Special Risk Insurance helps cover the cost of injuries sustained during sponsored activities – whether on-site, off-site, or in transit – ensuring participants, volunteers, and staff are protected.
Core Benefits
- Accident Medical Expense (up to $50,000) – Complements a group’s general liability plan by reimbursing insureds for covered out-of-pocket expenses. Reimburses deductibles, coinsurance and other out-of-pocket expenses during an inpatient hospitalization. Primary and Excess coverage is available.
- Accidental Death & Dismemberment (AD&D) (up to $50,000) – Pays a benefit if a participant dies or is dismembered in an accident.
- Catastrophic Accident Coverage (up to $1,000,000) – Optional high limit coverage for severe injuries.
- Accident Disability (up to 52 weeks) – Provides payments following temporary or permanent disabilities resulting from accidents
Optional Benefits and Enhancements
Policies can be tailored to include a wide range of value-added benefits to match the needs of the group’s risk profile:
- Coma or Paralysis Lump Sum Benefits
- Emergency Medical Evacuation & Repatriation
- Home Alteration & Vehicle Modification
- Heart & Circulatory Event Protection
- Hospital Indemnity Benefits
- Psychological Therapy
- Family Emergency Travel Coverage
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Entertainment Risk
The entertainment industry faces unique risks, from complex contractual obligations to hazardous on-location shoots. Standard accident insurance may not offer sufficient protection. Allied World offers tailored Accident & Health coverage built specifically for domestic and international film and production companies. Our coverage is ideal for television production, films, documentary productions, commercials, touring entertainers and performers, and helps safeguard productions against disruptions caused by illness, injury, or unexpected travel emergencies.
Domestic Production Insurance – Guild
When engaging SAG-AFTRA or other union guild personnel, production companies may be required to maintain Travel Accident insurance as part of their contractual obligations.
Product Features
- Provides coverage while participating in or supervising productions sponsored and supervised by the Policyholder; while traveling in connection with the productions; or while traveling directly to and from the production and the persons home or place of lodging
- All Conveyance Coverage, Scheduled Airline Coverage, Specified Aircraft Coverage
- 24 Hour Coverage Extension
- Hazardous Condition Activity Coverage
- Felonious Assault Coverage
Core Benefits
- Accident Medical and Accidental Death & Dismemberment
- Weekly Accident Indemnity Benefit
- Emergency Medical Evacuation, Repatriation, Family Reunion
- Travel Inconvenience
- Travel Assistance Services
International Films and Productions Blanket Accident Insurance
Product Features
- Worldwide coverage for location shoots outside of the United States, including War Risk countries
- Coverage can be for shoots that include remote locations and hazardous risks, exposures – such as stunts, underwater shooting, filming with live animals, weapons and pyrotechnics
- Optional coverage for War Risk and Security Evacuation are available
Our International Film & Production insurance includes all coverages available under Domestic Production Insurance with these additional benefits and services:
- Out of Country Accident and Sickness Medical
- Security Evacuation
- War Risk
- Global Travel Assistance: Mobile App and Desktop Access
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Occupational Accident
Accidents happen. But with the right protection in place, businesses can operate confidently. Allied World’s Occupational Accident Insurance provides comprehensive coverage for motor carriers, owner-operators, and companies that contract with independent drivers and service providers. This helps protect both contractors and the contracting company by addressing the physical, financial, and legal risks associated with on-the-job injuries.
Core Benefits
- Sample limits – higher or lower limits available upon request
- Accident Medical Expense – up to $1,000,000
- Accidental Death & Dismemberment – up to $300,000
- Temporary and Continuous Total Disability – Up to $600 per week
- Optional Non-Occupational Accident Benefit – up to $15,000
- Contingent Liability Coverage – up to $1,000,000 per person
Optional Benefits and Enhancements
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Policies can be tailored to include a broad range of features that enhance coverage including but not limited to:
- Passenger Accident Coverage
- Occupational Disease Benefit
- Occupational Cumulative Trauma Benefit
- Emergency Evacuation Benefit
- Paralysis Benefit
- Rehabilitation Benefit
Contemporary Benefit Options
- After School Care Benefit
- Emergency Hotel Convalescence Benefit
- Funeral Expense Benefit
- Hotel/Motel Burglary Benefit
- Motor Vehicle Modification and Home Alteration Benefit
- Smartphone or Tablet Repair or Replacement Benefit