Accident and Health Insurance

Chubb accident and health cover supports you and your team if the unexpected happens. Our accident and health insurance protects your company’s most important asset – your people. We can support them 24/7 if they have an accident while working, travelling for work, or at home. We’ll support the wellbeing of your staff during their recovery and help make sure your business doesn’t suffer by covering costs for replacement staff.
worker having bandage applied

Products and services

Chubb accident and health cover safeguards colleagues and the company against all sorts of emergencies

Group personal accident insurance

This package offers financial support for employees injured by an accident, including disability, broken limbs and burns, and covers the cost of hiring a temporary replacement. 

Business class travel insurance

Our policy protects your team when they’re travelling for work – with cover for medical and security emergency support in foreign countries, repatriation and loss of belongings.

Business class assistance

Chubb travel insurance policyholders benefit from this specialist service. It includes risk training, alerts on security situations and 24/7 support for medical emergencies abroad.

Additional offerings

Make mental wellbeing a priority: introducing ifeel

Available complimentary to Chubb Accident & Health policyholders, ifeel is designed to address the pressing need for mental well-being support in today’s workplace. This innovative platform provides employees with access to valuable resources and tools that promote mental wellbeing, fostering a healthier and more productive work environment.

Chubb Flexible Benefits Direct

Chubb Flexible Benefits Direct, is a simple, flexible and cost-effective online platform that helps companies offer employees access to Chubb’s Personal Accident Insurance and Leisure Travel Insurance as part of their benefits portfolio.   

Risks we insure

We keep your team and your business covered for situations like these:

Accidental death or disability

An employee is paralysed in a car accident while commuting between business locations

Loss of limbs or eyes and broken limbs

A worker falls off a ladder at a job site, leaving them out of work for months with two broken legs

Recovery time and mental health support

After suffering a work injury, an employee needs surgery, rehab services and counselling before they can return to work

Overseas illness or medical condition

A travelling employee has a heart attack in a foreign country, requiring immediate treatment there as well as support to get them home

Lost and stolen possessions while travelling

An employee has their laptop stolen while away on business, preventing them from doing their job and raising security concerns about sensitive company data

Travel emergency

An employee is stuck abroad on a business trip and needs urgent support following a major incident of political unrest in the country they are visiting

Travel disruption

Following a flight cancellation, your project team is unable to complete their business trip and finish an important project

Case study

Claims we have paid recently

An employee suffered an injury whilst at work. Their work involved some working at height. Whilst working at height, they fell and suffered a broken hip.

 

This resulted in the employee being absent from work. The policy had cover for Temporary Total Disablement with a benefit of 75% of Gross Weekly Wage. 

 

This benefit was paid. Due to the severity of the injury the employee was unable to return to their usual occupation so this therefore resulted in Permanent Total Disablement. Additional benefits were also paid for Hospital Benefit. Total claim paid – in excess of £69,000. 

FAQs

These insurance policies are similar in that they take care of your employees, but they provide coverage for different kinds of incident. Health insurance commonly gives cover for employees when they are sick or injured. This type of insurance is often standard for businesses to give employees. Accident insurance is typically a lump sum to support life-changing injuries.

Every company has duty of care to its employees, whether while at work, travelling for work, or at home. Any disruption of your workforce can have serious consequences for your business. We’ll provide immediate financial and wellbeing support should any of your employees need help beyond the original claim.

We’re proud of our dedicated in-house claims team and global network of trusted third-party specialists. Additionally, all policyholders benefit from the Chubb Travel Smart app, designed to enable immediate access to specialist support at the touch of a button.

Achieving excellence in A&H claims management

Accident & Health (A&H) claims touch lives in meaningful ways, often arising when people face unexpected challenges at work, while travelling, or at home. We understand that every claim is personal, and our approach reflects genuine care for your people, offering reassurance and practical support when it matters most. Navigating A&H claims can be complex, but Chubb’s digital tools—including our claims portal—make the process simpler and more accessible. The portal is available 24/7, streamlining the customer journey and enabling our fast-track process for straightforward claims, so they can be resolved and paid quickly.
 

For those covered by our Business Travel portfolio, we provide comprehensive support in medical emergencies. This includes immediate assistance, guidance to the nearest and most suitable treatment facility, guaranteeing payment for hospital stays, and arranging repatriation when needed. Chubb’s claims proposition is built on care, expertise, and innovation—helping you look after your people and your business, wherever life takes them.

Resources

Insights and expertise

We keep you informed – and your business protected – with these helpful articles
people working

Developing powerful partnerships that deliver

In a tougher economic landscape, insurance partnerships can be an effective way for businesses to secure additional revenue streams over and above their core product proposition. But what drives a strong partnerships proposition? And what should businesses look for when exploring potential insurance partnership opportunities?
flood protection

Stay cyber-safe while travelling for business

No business is safe from a cyber incident. Businesses across all industries have increasingly been targeted by cyber criminals, become the victims of non-targeted attacks, or have inadvertently opened their network to an incident through employee error.
flood protection

Eight self-drive tips when travelling for business

If you are hiring a car in connection with your business trip, there are safety considerations that you need to be prepared for. These are even more prevalent if you are responsible for driving a group of colleagues. Here are eight things to look out for when opting to self-drive on your business trip.

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