Corporate Accident & Health Insurance

Learn how Corporate Insurance helps organizations and associations provide coverage for unusual risk exposures.

     

Plan Highlights

An easy program to administer, with a closed loop between insurance, services and claims administration.

Streamlined coordination between members of risk management, benefits, security and medical departments of an organization.

Offers benefits that are payable in addition to workers’ compensation, group life coverage or any other coverage.
 

Includes access to the AIG Travel Assistance website and mobile app providing traveler resources before and during travel.

Outstanding 24/7 travel assistance service from AIG Travel with full cost transparency–there are no additional case fees or markups at time of service. 

Coverage for specified personal trips taken in connection with a business trip, as well as for family members traveling with the employee on approved business travel.

Benefits and Services

Corporate Accident & Health Insurance coverage can be purchased on a long-term (annual) or short-term basis, and can even be purchased for a single-day event. We provide accident coverage for domestic companies to multinational companies. The primary benefits and services include:

Accidental Death and Dismemberment

Provides a lump sum payment for a covered accident that results in a loss of life, limbs, speech, hearing, or sight.

Repatriation of Remains

Provides coverage for the preparation and transportation of an insured’s mortal remains to family members in the event of a covered accidental death while traveling.

Travel Assistance Services

Valuable assistance services that are available to covered individuals traveling 100 miles or more away from home.

War Risk Country Coverage

Provides coverage for employees while traveling in certain Designated War Risk Territories.

Emergency Medical Evacuation with Family Travel

Pays for Covered Emergency Evacuation Expenses for a covered Injury or Emergency Sickness if the Injury or Emergency Sickness warrants a Medically Necessary Emergency Evacuation Service.

Security Evacuation Coverage

Covers eligible expenses to transport employees to the nearest safe place in the event of an emergency, as determined by designated security consultants.

Out-of-Country Accident/Emergency Sickness Medical

Provides payments for covered emergency services that are medically necessary including coverage for treatment of a covered illness related to COVID-19, subject to the same policy terms and conditions as any other covered illness.

Severe Infectious Disease and Quarantine

Helps mitigate the risk of exposure to employees while traveling on a covered business trip by evacuating them home or to the nearest place of safety if there is an outbreak and provides benefits if an employee is exposed to a severe infectious disease, including COVID-19.

Corporate Accident & Health Insurance

From small disruptions to big ones, AIG* provides end-to-end Business Travel Accident (BTA) coverage and risk
management solutions to help keep traveling employees focused on the business at hand.

Employers will be able to help meet their duty-of-care responsibilities to employees with our worldwide
business travel coverage and traveler assistance services for security issues, medical emergencies, travel inconveniences and more.
 

Insure Employees. Manage Risk. Prepare for Disruption.

  

Business Travel Accident (BTA) Insurance

The core benefit of BTA Insurance is 24-hour Accidental Death & Dismemberment (AD&D) coverage. Additional coverages available include supplemental out-of-country accident and emergency sickness medical, emergency medical and security vacuation, repatriation of mortal remains, and travel inconvenience benefits including lost personal property and travel delay.

Employers may customize coverage benefits and limits by employee class or purchase a single-source solution which provides insurance benefits and travel services for employees who live, work, or travel around the world.

Multinational Business Travel Accident Insurance

AIG’s* multinational Business Travel Accident insurance can be offered as a valuable addition to any organization’s existing or developing global program which can be structured to offer a transparent and informed solution that reflects the unique preferences of the employer.

Travel Assistance Services

Wherever traveling employees may be, in the event of a medical emergency or unexpected travel problem, they are never more than a phone call away from our global state-of-the-art service centers operating 24/7/365.

Business travelers rely on AIG Travel’s assistance services, to help them recover from unexpected circumstances that can interrupt their travel plans.

 

Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.

AIG Travel Assistance Website and Mobile App


Whether it is a student group, non-profit or religious organization traveling abroad, our travel assistance products can offer emergency medical and security evacuation assistance. Travel Guard’s® 24/7 travel assistance services include worldwide concierge support for medical and security incidents, identity theft and more. In addition to 24/7 phone assistance, employees also have access to our secure travel assistance website and mobile app (available on iOS and Android) for fast and convenient access to in-depth travel, security and health information: 

    

 

One Touch ‘Help’ Button connects travelers directly to emergency assistance.


 

 

Assistance ID Card can be accessed via the app in the event the physical card is forgotten or lost.

 

Drug Brand Equivalency Tool generates over-the-counter drug brand names and their equivalent names for multiple countries.

 

Country Reports and City Guides provide key information on political conditions, security issues, travel logistics, cultural factors, contact details and health advisories with the ability to favorite reports for easier access.


 

 

Security Awareness Training through online travel safety videos and knowledge tests provides basic tools and information to be an aware, organized and prepared traveler with the ability to email the certificate of completion. Contact your AIG representative for a demonstration of the assistance website and mobile app.



 

Provider Directory contains contact information for healthcare providers in various locations around the world with a map view and ability to turn on GPS and locate providers nearby.

 

Medical Translations Tool translates medical terms into multiple languages with the ability to listen to the translation.

 

Security Travel Alerts are email subscriptions that can be managed via the app to obtain security level developments that may affect traveler's destination(s).

*The AIG Travel Assistance website and mobile app is only available to certain member policyholders. Expenses incurred from third party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler. Contact your agent, broker or AIG representative to learn more.

Our BTA Multinational Advantage

Our BTA Multinational Plan helps multinational employers fulfill local requirements through one convenient, centrally administered program.

  • Controlled master program provides fully coordinated and centralized account underwriting, administration, and claims management
  • Worldwide standardization of key benefits and services
  • Consolidated account management and travel assistance services
  • Solutions for compliance with local country requirements and market standard benefits
  • Ease of use: one card, one phone number, one website

AIG's Accident & Health Professionals are here to help

Contact us today for more information about Corporate Markets Accident & Health Insurance.
Contact us if you are an existing customer and have a customer related inquiry.

 

Policies issued by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC), a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. NUFIC is responsible for the financial obligations of its insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

AIG Travel, Inc., a member of American International Group, Inc., is a worldwide leader in travel insurance and global assistance. Travel Guard® is the marketing name for its portfolio of travel insurance and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe. Services are provided through a network of wholly owned service centers located in Asia, Europe and the Americas. For additional information, please visit our websites at www.aig.com/travel and www.travelguard.com. Products or services may not be available in all countries or states, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties.

Products or services may not be available in all counttries or state, and coverage is subject to actual policy language.

*AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all jurisdictions.

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