Group Accident Insurance

Provide 24-hour coverage for an injury that occurs on or off the job.

Create an Accident insurance plan to cover your employees’ specific needs by attaching one of three Accident riders to a Group Limited Indemnity insurance plan.

 

Accident Rider

Description

Accident Expense

This rider provides the features of a traditional scheduled Accident insurance plan. It pays benefits for more than 25 categories of charges and services commonly incurred due to a covered accident.

Most benefits are payable per accident up to a fixed number of accidents per year.

Accident Lump Sum

This rider pays a lump-sum benefit for treatment of injuries resulting from a covered accident in one of two ways: 

  1. As a fixed benefit amount per covered accident up to a certain number of accidents per year.

  2. As a percent of a maximum benefit per covered accident based on the facility where treatment is provided (100% in ICU, 50% in hospital, 15% in ER, or 10% in urgent care/physician office)

Both options pay one benefit per covered accident.

Accident Select

This rider pays eligible expenses for care received due to a covered accident, up to a maximum benefit amount per accident and maximum number of accidents per year.
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Insurance is underwritten by Beazley Insurance Company, Inc., 30 Batterson Park Road, Farmington, Connecticut, 06032. Beazley is rated A by A.M. Best. Beazley is licensed in all 50 states and the District of Columbia. CA License # 2868-8. Group Limited Indemnity is offered under Policy Form Series AHGLIMM0001. Pre-existing condition limitations may apply. Coverage is not available in all states. Benefits may vary by state. Premium will vary based on the plan chosen. A waiting period for late entrants.  Coverage is not available in all states. Benefits may vary by state. Premium will vary based on the plan chosen. A waiting period for late entrants may apply. This policy is renewable at the option of Beazley. Refer to the Master Policy and Certificate for all terms, conditions, exclusions and limitations. Beazley uses the services of third party administrators.

Globe Life And Accident Insurance Company manages and reinsures the Beazley Benefits program.