Accident & Health

Accident and health insurance is a type of insurance that covers a range of products that may be purchased by companies for the benefit of them and their employees, providing cover for accidents that might occur at work, or when doing work related activities like while commuting, working from home or traveling for business.

Accident and Health insurance can provide immediate financial and wellbeing support to the person who is injured, while also assisting your business through disruptions to its operations as a result of the incident.

In short, no. They are similar in that they take care of your employees, but they provide different types of coverage for different kinds of things. Private Health insurance more commonly provides reimbursement for medical expenses when people are sick or injured, while accident and sickness insurance, as a type of General Insurance, typically provides fixed lump sum benefits  to support someone who has suffered life-changing injuries as a result of an accident and does not provide comprehensive medical coverage for illnesses.

Offering access to cover under one of Chubb’s Accident and Health insurance products (such as Business Travel Insurance, or Group Personal Accident Insurance) as part of your employee benefits program can help boost your organisation's culture – helping to attract and retain talented employees and improve productivity.