Accident insurance from Cigna pays you fixed cash amounts when you, your spouse or your children are hurt in a covered accident, on or off the job. The payment goes to you and isn’t tied to the size of your medical bill, so you can use it however you need. It’s voluntary, and you pay through payroll.
Choosing a plan
There are two plans. Plan 2 pays more for most benefits and costs $1.53 to $3.77 more per paycheck, depending on who you cover.
Sample benefits
- Emergency care: $150 (Plan 1) or $250 (Plan 2)
- Office or urgent care visit: $150 or $250
- Hospital admission: $1,000 or $1,200
- Surgically repaired fracture: $100 to $4,000, or $200 to $8,000
- Concussion: $300 or $350
- Accidental death: $50,000 to $100,000 on either plan
Both plans also pay a $100 wellness benefit once a year when you complete a health screening.
Spouse accidental death pays 50% and child accidental death pays 25% of the amount shown. Sports accidents pay 25% of the benefit.
