Claims

Covered incidents are listed below. If you're with an affiliated group and looking to submit a claim for an incident not listed below, please call 1-855-631-1421. To see further details on what defines these covered incidents, click here.

At Work
Infected by Disease
Post-traumatic Stress

Everywhere in the U.S.
Aggravated Assaults
Sexual Assaults
Mass Shootings
Terrorist Acts

In School
Infected by Disease
Post-traumatic Stress

In order to approve any claim submitted, we'll need a few things. Please have this information on hand when you file.

• Name of the insured
• Policy number
• Phone number
• Mailing address
• The date of the incident (if applicable)
• A brief description of the reason for the claim

Coverage is for insureds when they become physically ill and confined to a hospital as an inpatient due to an infectious disease after suffering an accident while on business for/or on the premises of their employer in the course of their educational curriculum (dependent children) which resulted in either ruptured skin or unintentional contact with blood or certain bodily fluids of a third party such as blood, urine, vomit, rectal fluids, vaginal fluids, semen (cum), pre-seminal fluid (pre-cum), or breast milk. The disease must be listed, on the date of the accident, by the Centers for Disease Control and Prevention on the National Notifiable Diseases Surveillance System. Current National Notifiable Diseases are listed here [Note: COVID-19 is listed but is excluded from coverage.] 2) while at work while in the United States. Please review your policy for complete details.  

In order to receive benefits, you must within sixty (60) days test disease positive for an infectious disease and be unable to either carry out the material duties of your regular occupation or attend your educational curriculum due to the infectious disease. You must within a period of five (5) days following the accident concerned undergo an initial test made by a registered medical practitioner in accordance with laboratory and clinical criteria - you must advise us of the facility conducting the initial test within five (5) days following the accident, or as soon as possible thereafter if the accident occurs over a weekend or a public holiday. In order to verify the accidental exposure to the infectious disease, we'll need a copy of the workplace incident report. A physician’s statement that this is the first time you’ve tested positive for the infectious disease is also required before benefits will be paid. We understand you may not have one at this time, so we will include instructions in our follow-up email to your submission of a claim for benefits which must be submitted in full within fourteen (14) days following the diagnosis or discharge from the hospital, whichever the latter.

This benefit summary book explains covered incidents and plan benefits. Click Here to View.