Group Personal Accident Insurance Coverage

Group PA insurance and life insurance are not the same. Group PA only covers unexpected and accidental deaths. Life insurance covers accidental deaths and deaths from natural causes, like long-term illnesses.

Workers’ Compensation only covers employees who are injured on the job while Group Personal Accident Insurance covers employees both on and off the job—it’s 24/7 coverage. Group PA compliments your international Workers’ Comp coverage.

Accidental death is an event outside a person’s control (an accident) that results in a fatality. Events can include car crashes, falls, choking, drowning, car accidents, and other situations deemed accidental.

Group PA mainly covers medical emergencies. Some major exclusions are listed below, but please refer to your policy for the complete list, as coverage varies.

Group Personal Accident Insurance does not cover:

• Natural Death
• Wellness checkups
• Maternity services
• Pre-existing disability
• Death/injury while under the influence of drugs or alcohol
• Death/injury while engaged in an adventure sport or hazardous activity

• Marine organizations (Please note: This can be reviewed on a case-by-case basis. Contact your insurance advisor for more information.)
• Sports teams
• Companies operating in the U.S., Switzerland, Australia, and Canada
• Active military

Yes. Employers have a responsibility to protect employees, especially if their job exposes them to high risk. Nobody can predict an unfortunate event such as a fatal accident, so ensuring your international employee’s beneficiaries are compensated in such an event is important. Accident plans not only protect employees, but they can also protect the employer, too.

International Group Personal Accident premiums calculations vary by policy, but two common ways are:

1. annually or
2. by trip (travel-only coverage).

Annual coverage lasts all year, while travel-only coverage is customized to your needs around a specific set of travel dates. We understand that travel plans are subject to change, so if you need to extend your trip, our agents will work with you to ensure you stay covered.

For accidental death/dismemberment and disability claims, please notify your Account Manager or commercialclaims@clements.com to initiate a claim. Medical claims are on reimbursement basis. However, if you have a major medical emergency, including a need to evacuate, you will need to reach out to the crisis response company. Please refer to your Group PA policy for details.