Basic Accidental Death and Dismemberment Insurance
Why Choose AIG for Basic Accidental Death and Dismemberment Insurance?
Accidental death and dismemberment insurance provides coverage for an organization’s employees, worldwide 24/7, on or off the job.
Why does your organization need Basic AD&D Insurance?
With basic AD&D insurance coverage, companies have an excellent solution that can help reduce employee health and benefits costs, expand benefit packages, and demonstrate their commitment to employees.
AIG risk appetite for AD&D is broader than typical group benefit insurers and provides cost effective benefits for a range of occupations
Higher limits
Enables clients to provide a program with higher limits, if necessary
AD&D insurance coverage
Makes available a “carve-out” program to a standard group life insurance program, allowing for broader AD&D insurance coverage for employees while helping clients control costs
AD&D program
Offers clients an easy, cost-effective AD&D program to setup and administer as a stand-alone, mandatory, or voluntary plan
Flexibility to tailor
Offers clients remarkable flexibility to tailor their program to employee needs through a broad range of additional benefit options
Pays benefits
Pays benefits in addition to any other insurance that may be in effect at the time of the accident
AIG’s global coverage
Utilizes AIG’s global coverage network in 215+ countries and jurisdictions to deliver multinational capabilities to clients
Dedicated Claims Team
Employs a team of dedicated in-house claims and underwriting professionals with many years of experience to collaboratively address clients’ claims swiftly, in French or English, worldwide
AIG Basic AD&D Insurance Solutions
AD&D insurance also makes customized solutions available for companies to support their specific needs. Options include:
Accidental Death & Dismemberment - provides a lump sum payment for a covered accident that results in a loss of life, limbs, speech, hearing, or sight
Family Coverage – Voluntary AD&D benefits increase maximum coverage for employees and can extend benefits to spouse, and children
Permanent and Total Disability - Provides a lump sum benefit if an insured becomes permanently and totally disabled because of a covered accident and cannot perform daily-living activities
In-Hospital Benefit - Pays monthly cash benefits for the duration of an insured’s hospital stay to cover additional expenses such as parking and transportation costs, childcare, and private accommodations
Rehabilitation - Reimburses covered rehabilitation expenses due to an accident such as physiotherapy
