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Personal Accident & Health Insurance Plans: Direct Marketing

Specialty Accident & Health Insurance

Learn how Specialty Accident & Health Insurance helps organizations and associations provide coverage for unusual risk exposures.

Why choose AIG Specialty Accident & Health Insurance?

AIG* offers Specialty Accident & Health Insurance coverage solutions to help address the inherent risk of injuries that may come about during various activities. Our coverage provides valuable benefits for groups such as schools, daycare facilities, youth groups, sports teams, recreational associations, community service organizations, and organizations that utilize volunteers. It provides insurance protection when participating in sponsored activities or events, and/or while traveling.

  • Providing coverage for members of organizations participating in policyholder-sponsored and supervised activities or traveling abroad.
  • Coverage extends to include travel to/from sponsored activities that can help fill gaps in medical plans when traveling internationally.
  • 24/7 Travel Assistance, including: medical assistance, security assistance, worldwide information, concierge services and identity theft assistance (where available).
  • Accident insurance can complement an organization’s general liability policy by filling in gaps that may exist, and/or by offering broader limits.

The AIG Advantage

  • Draws on 50+ years of pioneering A&H experience to underwrite traditional and  non-traditional client accounts. 
  • Leverages a stable market presence and significant capacity to design responsive forward-thinking solutions to address clients’ new and emerging risks in the A&H space 
  • Provides our clients unity of service : 24/7 travel emergency capabilities for medical, security and travel assistance embedded with the insurance benefits

  • Integrates a wealth of historical knowledge and expertise—data and analysis, policy language, and regulatory compliance—to write high-quality policies with durable lifecycles 
  • Employs seasoned, dedicated underwriters to provide coverages that address clients’ traditional and unique hard-to-place risks 

  • Provides innovative solutions for a breadth of clients including K-12 schools, higher education, amateur sports, camps, entertainment, civic, charitable, and faith- based organizations

  • Coordinates across underwriting, claims, and global travel assistance supporting a holistic global solution
  • Offers clients access to 24/7 global service centers for medical assistance, security assistance, worldwide information, concierge services and more 
  • Employs dedicated customer service and claims professionals to handle clients’ simple and complex claims

Plan Highlights

Benefits and Services

Specialty 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 members of groups or associations participating in sponsored and supervised sporting activities or events, as well as club, church or civic group events or activities. The primary benefits and services include:

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).

What Organizations Are Covered?

Our Specialty Accident & Health Insurance covers a wide variety of groups. When organizations provide Specialty Accident & Health Insurance to members, this may help to attract and retain participants because insurance coverage is provided to each and every eligible member.

Accidents can happen at any time, child care centers can provide accident insurance benefits for their staff and for enrolled children in the facility. Student Accident Insurance can cover enrolled students while participating in sponsored and supervised K-12 activities, including extracurricular activities and interscholastic sports.

Coverage is available to sports clubs, sports camps and recreational associations while participating in scheduled, sponsored, and supervised youth sports activities on the premises designated by the covered organization, including direct travel to and from such activities.

Covers members, volunteers and participants in policyholder-sponsored or supervised activities and events, while setting up or cleaning up the event, and traveling to and from activities and events domestically and internationally.

Covers guest passengers who suffer a covered injury while riding as a guest in a covered truck or motor carrier.

Covers enrolled students (both resident and nonresident) and, in some cases, instructors when covered accidents occur.

Coverage provides single-source solution of insurance benefits and comprehensive travel, medical, and security assistance services, whether it's students studying abroad, organizations going on an overseas trip, or production crews filming at their next site.

Real-World Problem Solving

Benefit from our proven experience in working with customers and their brokers and agents to deliver successful outcomes.

Challenge

A broker was attempting to develop an A&H solution for their clients across the U.S. who participate in apprentice programs for skilled trades, e.g., electricians, welders,  and plumbers.

Solution

AIG’s A&H team created a program responsive to the unique needs of these skilled trades, while meeting each state’s compliance requirements.

AIG Benefit

The trades can now provide student apprentices with accident coverage nationwide through AIG’s A&H solution.

Challenge

A youth sports league was looking for insurance coverage to help minimize risk and help promote the safety of  its players.

Solution

AIG was able to provide appropriate coverages across  the U.S., and worked with the organization on its safety program, which provided for and implemented local league player safety plans.

AIG Benefit

The client’s program helped it improve safety for the players while incurring fewer losses. In addition, the client’s program has helped assuage parental concerns for their children’s safety for 15+ years.

Challenge

A K-12 prep school was struggling to find a true, global A&H solution that would meet the school’s specific local and travel needs.

Solution

AIG provided an integrated solution that included base and catastrophic accident coverage (students and staff) as well as specific coverages to meet the school’s needs when short-term student trips were taken outside the U.S.

AIG Benefit

The school’s students and staff were covered by A&H benefits in the U.S. and abroad.

Specialty Accident & Health Product Inquiries

Our goal is to provide a customized benefit solution to meet each of your unique needs. Based on these needs, please click the below that best applies to you.

Insurance 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.


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Downloads

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Overview information sheet of AIG A&H Corporate Markets
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A&H Specialty Markets Highlight Sheet

Insurance 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 FL 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.

Travel assistance services are provided by AIG Travel, Inc., a member of American International Group, Inc. Travel Guard® is the marketing name for its portfolio of travel insurance solutions and travel-related services. Non-insurance services provided by AIG Travel and/or its subsidiaries offer assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler. This is a summary only of services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All services are subject to the policy terms, conditions, limitations, reductions, exclusions and termination provisions. Please see policy and certificate for details. SM-11665-19

*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.