Group Accident Insurance
Frequently Asked Questions
Why do I need this coverage?
Statistics published by the National Safety Council show that accidental bodily injuries are the fourth greatest cause of death in the United States and the number one killer of Americans between the ages of 1 and 45. These figures vividly point out the necessity for sound accident insurance protection. With this in mind, we have made arrangements with Federal Insurance Company to make personal accident insurance available under a group insurance program.
What are the Highlights of the program?
- War risk included (except in the U.S., Canada, Afghanistan, and Iraq) at 100% of the limit of coverage purchased.
- The rate for this coverage is substantially lower than the cost of like insurance purchased individually.
- The benefits provided are accidental death, medical evacuation and repatriation or dismemberment, including loss of speech and/or hearing.
- The plan provides protection 24 hours a day worldwide, on and off the job.
- Benefits are payable in addition to any other insurance you may have.
- You may select any amount of insurance from a minimum of $50,000 to a maximum of $500,000 in multiples of $50,000.
- You may also insure your spouse and children.
- You can change amounts whenever you wish.
Who is eligible?
Our Accidental Death & Dismemberment (AD&D) Plan is open to all foreign service members and their spouses (under age 70) and dependent children may apply for coverage. Dependent children means all unmarried children, including step-children, foster children or legally adopted children of the member over 14 days and under 19 years of age (25 if a full-time student in an accredited school or college).
Is Medical Evacuation and Repatriation offered?
Yes Medical Evacuation and Repatriation included.
If an Insured Person’s Accidental Bodily Injury, disease or illness occurs while insured under a Hazard and requires the Medical Evacuation or Repatriation of the Insured Person while the Insured Person is on a covered trip. then the company will pay the Covered Expenses for such Medical Evacuation or Repatriation up to, $100,000 the Benefit Amount for Medical Evacuation and Repatriation. The Benefit Amount for Medical Evacuation and Repatriation is payable in addition to any other applicable Benefit Amount under the policy.
This insurance applies only if the covered trip:
- is more than 100 from the Insured Person’s primary residence; and
- lasts no more than 365 consecutive days.
The Medical Evacuation or Repatriation must be ordered by a Physician, who certifies that the Medical Evacuation or Repatriation is necessary to prevent death or serious deterioration of the Insured Person’s medical condition. The Medical Evacuation or Repatriation must be approved and arranged by Our Assistance Services Administrator.
What does medical evacuation mean?
Medical Evacuation means the emergency transportation of an Insured Person from the location where such Insured Person is injured or becomes ill to the nearest Hospital where appropriate medical care and treatment can be provided.
Who is providing this coverage?
Chubb Group of Insurance Companies