Voluntary Accident Insurance

An accident can happen to anyone at any time. Even with medical coverage, out-of-pocket expenses can quickly add up. Cigna's Voluntary Accident Insurance pays a benefit directly to you for treatments or injuries resulting from a covered accident. It can help you pay for expenses such as rehabilitation, transportation, child care, travel or other out-of-pocket expenses. What you do with the money is all up to you. Coverage continues after your first covered accident and can help provide protection for future covered accidents. Choose the coverage that works best for you and your family. Your monthly cost will depend on the level of coverage you choose.

Why enroll

Receive additional payments for unforeseen medical expense. This policy's features include:

  • No requirements: Enroll annually with no medical evidence.
  • Multiple benefits: Receive 80+ benefit payouts, up to 20 follow-up care visits, and off-the-job coverage.
  • Cost-effective: You can sign up for this coverage at economical group rates, which means you may pay less for your coverage.
  • Convenient: We make it easy. No copays, deductibles, coinsurance or network requirements to worry about and your insurance premiums can be deducted from your paycheck.
  • Portable: You can take your coverage with you if you leave your employer.

Policy Benefits

Voluntary Accident Insurance Summary



Pre-Existing Conditions Limit

Does not Apply



Ground/Water Ambulance


Air Ambulance


Hospital Admit – 1 per accident

Per Day Benefit (limit of 365 days)






Up to $4,000 non-surgical/$8,000 surgical


Up to $3,000 non-surgical/$6,000 surgical

Small Burns/large burns/3rd Degree burns


Wellness Benefit




Monthly Rates

Bi-Weekly Rates