Zurich Voluntary Accident Insurance

for State of Wisconsin Employees


Zurich Voluntary Accident Insurance Employee FAQs

Can you tell me more about Travel Assistance?

Zurich Travel Assist® is a medically based travel assistance program that focuses on providing positive medical outcomes to sick or injured travelers. As a member of the International Assistance Group, World Travel Protection Canada Inc., the administrator of Zurich Travel Assist, can help respond to medical and legal emergencies for travelers throughout the world.*

I’ve never had a serious accident, so why do I need accident protection?

We hope that you never need this insurance but if you do, accident insurance is good financial planning. Since accidents are the leading cause of death in the U.S. for persons under age 45, and every 10 minutes more than 700 people in the U.S. suffer an injury severe enough to seek medical help according to the National Safety Council, preparing for the unexpected is a sound precaution.

How much does accident insurance cost?

In general, accident insurance policies are relatively inexpensive. You will likely find the cost to be less than you expect; you may benefit from the low group rates your employer has arranged. For many families, the monthly cost for this extra insurance protection can be less than the cost of a movie ticket.

If an unexpected accident happens, how long is too long to be without an income?

According to American Payroll Association, for 68% of Americans, the answer is one week — that’s when they would find it “very difficult” or “somewhat difficult” to meet their current financial obligations. Lost income can put a significant financial strain on virtually any household. Accident insurance can help protect your financial well-being and provide welcome peace of mind.

After an accident, which of my assets could be at risk if I don’t have a regular income coming in?

Unfortunately, many employees in the U.S. have no more than one month’s income — and often less — available as an emergency fund. Should a serious accident cause weeks or months of incapacity, you could wind up maxing out your credit cards, depleting your retirement savings, exhausting your college education accounts, even losing the equity in your home. Accident insurance can be one solution to helping you or your family pay for some of the unexpected expenses.

What can cash benefits be used for?

You or your beneficiaries have the complete freedom to use cash benefits any way. This means that in addition to help paying off medical expenses, deductibles and co-payments, benefits can be used to pay for any other costs that could otherwise be crippling financially without a regular income coming in. These might include mortgage or rent, car and utility bills, childcare, household services, education or any other expense that you or your family may face.

Why is having AD&D protection just as important as having life insurance?

Accidents are the leading cause of death in the U.S. for persons under age 45 as documented by the CDC (Center for Disease Control and Prevention). This makes it crucial that most Americans have the insurance protection their families need. Part of wise financial planning is accidental death protection benefits.

Can I be covered if I don’t qualify for life insurance?

Absolutely — in fact, this coverage for accidental death can supplement whatever insurance you may already have or stand alone as valuable protection. Consumers who want life insurance don’t always buy it because they think it’s too expensive, which is why this affordable accident insurance coverage from Zurich can make good sense.

Why do financial planning experts so often recommend having accident insurance?

It’s a simple way to help handle the costs that can mount up after a serious injury or death. You or your designee can receive cash benefits directly from Zurich, to help and use as you choose.

What can the death benefits this insurance pays mean for my family?

While no amount of money can make up for the loss of life, the cash benefits payable to your beneficiary or designee can help make a difficult time more manageable. They are payable in addition to any life insurance you may have, and could make a difference to your family’s well-being if you do not have or do not qualify for separate life insurance.

The good news is that Zurich’s Voluntary Accident insurance can help when accidental injury or death occur. Zurich comes through for you and your family with cash benefits for covered accidents – fast. You can count on us to be there when the unexpected happens. The Travel Assistance** and Identity Theft*** are added services that you can take advantage of when they are needed most, worldwide protection, 24 hours a day, 365 days a year.