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Personal Accident Insurance

what is group personal accident insurance

Plan Provisions

  • Indiana University's Personal Accident Insurance plan pays benefits in the event of accidental loss of life or severe injuries which result in dismemberment.
  • Full-time, appointed employees of Indiana University can purchase coverage for themselves, or for themselves and family members.
  • Various additional benefits are available for such situations as violent crime, permanent total disability, death of both employee and spouse in one accident, education or training for surviving children or spouses.
  • Eligible employees can purchase coverage of from $30,000 to $500,000.
    • If family plan coverage is purchased, each family member's coverage is a percentage of the benefit amount selected.
  • Travel Assistance Services are available to plan enrollees.


All full-time Academic (including Medical Residents) and Staff employees of Indiana University are eligible for participation in the Personal Accident Insurance plan; an enrolled employee may also insure their legal spouse/registered domestic partner and unmarried dependent children (under age 19, or under age 25 if full-time students).

Plan Contributions

The premiums for coverage under the Personal Accident Insurance plan are paid in full by the employee.

Conversion Opportunities

  • Before age 70, if this group coverage ends for any reason other than failure to pay premiums, the policy can be converted to an individual policy without medical certification.
  • Application for a conversion policy must be made, and the first premium paid within 31 days after the end of group coverage.

Additional Services

Cigna Secure Travel

What is Cigna Secure Travel?

It’s a comprehensive program of information, referral, assistance, transportation and evacuation services designed to help you respond to medical care situations and many other emergencies that may arise during travel. All of these services are provided by Cigna

Secure Travel.

Who is Covered?

Employees do not have to enroll in this service. As a participant in your employer’s Group Personal Accident insurance plan through Cigna, you are automatically covered. Covered family members include your spouse or domestic partner, and dependent children.

Cigna Secure Travel offers the following services:

Pre-Departure Services

These valuable services can help you start your trip the right way. Obtain important, up-to-date information on:

  • Immunization Requirement
  • Visa & Passport Requirements
  • Foreign Exchange Rates
  • Embassy/Consular Referral
  • Travel/Tourist Advisories
  • Temperature & Weather Conditions
  • Cultural Information

Medical Evacuation

When an unforeseen medical emergency requires you to be evacuated to a medical facility for treatment, Worldwide Assistance gets you there. When deemed medically necessary by a Worldwide Assistance designated physician, Worldwide Assistance will arrange and pay for your transportation to the nearest adequate medical facility that can properly treat your condition.

In the event that you should pass away while traveling, Worldwide Assistance will arrange for all necessary government authorizations, and pay for the return of your remains to your place of residence for burial or cremation.

Assistance with Lost or Stolen Items

Legal Assistance

Translation & Interpretation Services

Emergency Travel Services such as:

  • Emergency Cash Advances
  • Emergency Travel Arrangements
  • Emergency Message Relay Assistance

Please Note: All services must be arranged by Cigna Secure Travel. Claims for reimbursement will not be accepted.

For additional information regarding these services, please see the Cigna Secure Travel brochure (PDF) or contact their office at 888-226-4567.


For questions concerning submission of claims, please contact University Human Resource Services at 812-855-2007.

How to reach Worldwide Assistance:

• From the U.S. and Canada, call 1-888-226-4567

Category: Insurance

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