Accident and Health Insurance
XL Catlin’s Accident & Health team provides tailored group accident insurance solutions for a wide range of programs and groups. We have the ability to mix and match a comprehensive list of hazards and coverage’s, resulting in a large array of flexible plan - design options.

Product details


  • Up to USD 10 million any one person
  • USD 50 million any event


Hazards Insured

  • 24-hour exposures
  • Business travel
  • Owned aircraft / piloting
  • War and similar risks
  • Common carrier
  • Public conveyance
  • Commuting
  • Occupational exposures
  • Key man and partnership protection
  • Private flying
  • Professional flying
  • Sponsored activities
  • School activities
  • Amateur sport

Core Accident and Health Insurance Coverages

  • Accidental death
  • Accidental dismemberment
  • Paralysis / Loss of use
  • Accident-only medical expense
  • Accident and sickness medical expense for short-term overseas travel
  • Expatriate medical Expenses / International medical plans (excluding US)
  • Accident-only weekly indemnity
  • Accident-only hospital cash
  • Accident / Sickness weekly indemnity (excluding US)
  • Accident / Sickness hospital cash (excluding US)
  • Permanent total disability (accident-only or accident/sickness, excluding US)
  • Ancillary travel accident coverage such as baggage, money, cancelation, etc.

Additional Accident and Health Insurance Coverages Available

  • Airbag / seatbelt
  • Bereavement and trauma counseling
  • Bomb scare, bomb search or bomb explosion
  • Bulletproof vest
  • Burial and cremation
  • Child care center
  • Critical illness / cancer
  • Broken bones / Severe burns
  • Emergency room
  • Escalator
  • Felonious assault and violent crime
  • HIV occupational accident
  • Home alteration and vehicle modification
  • Medical evacuation
  • Rehabilitation
  • Repatriation of remains
  • Special education
  • Waiver of premium

Coverage is not be available in all jurisdictions or on all XL Catlin platforms.

Certain support services are provided by select third-party providers.

Client Profiles

  • Multinational, large and SME employers
  • Employer-sponsored group plans
  • Key man, partnership or shareholder protection
  • Associations / affinity organizations
  • Unions
  • K-12 (US only)
  • Student travel
  • Volunteer / religious group travel
  • Participant accident
  • Financial institutions

Typical Information Required

  • Benefits and operative time of the coverage
  • Policy conditions sought
  • Full details of the persons to be insured, including age and other profile information relevant to risk assessment
  • Claims and/or incident experience

Benefits & Services

  • Simple, low-cost accident and health insurance packages
  • Customized plan design options
  • Mandatory and voluntary coverage offered
  • Assistance services available
  • Stated as a flat amount, a multiple of earnings, percentage of principal sum or as an expense reimbursement
  • Indemnity benefits typically paid in addition to any other group or individual coverage

Learn more about our Protect & Assist- (for Asia) here

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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