Regardless of their medical coverage, odds are your employees spend some timeworrying about the potentially devastating financial impact of an accident.

You can help ease their minds. Offer them Voluntary HAP coverage from Chubb Accident and Health (A&H).HAP includes our In-Hospital benefit which pays a daily cash benefit for each day that they are in the hospital asa result of an accident (an elimination period may apply).

Your employees can also enjoy priceless peace of mind with several optional benefits that can be customizedfor them:

• Intensive Care Unit benefit – pays an additional daily cash benefit for each day an insured is in theintensive care unit of a hospital (after an elimination period) if a covered accident results in the insuredbeing admitted to the intensive care unit.

• Emergency Room Outpatient Care benefit – pays a flat amount if a covered accident causes an insuredto require and receive treatment in a physician’s office, an outpatient unit or an emergency room of ahospital.

• Recuperation benefit – if an insured is hospitalized due to a covered accident, the recuperation benefitpays a daily cash benefit for the same number of days that the in-hospital benefit was paid. Thisbenefit is paid in one lump sum upon the insured person’s discharge from the hospital.

• Inflation Protection – increases the benefit amount automatically each year the policy is in place.

Below is a sample plan for an individual employee:

• In-Hospital benefit – daily benefit amount of $250

• Intensive Care Unit benefit – daily benefit amount of $250

• Emergency Room Outpatient Care benefit – flat benefit amount of $150

• Recuperation benefit – daily benefit amount of $250

• Inflation Protection benefit – annual increase of 10% of the benefit amount every year up to amaximum of 100% of the original benefit amount

ACCIDENT & HEALTH

Voluntary Hospital Accident Plan (HAP) Insurance

from Chubb

Do your employees worry about what might happen if they are hospitalized

as a result of an accident?

Even though he has good benefits through his employer, Terrance can’t

help wondering how he‘ll cover that high medical deductible.

Will wonders how he’d be able to keep covering his mother’s rent —

not to mention his own — if he was recovering from an accident and could

not work.

Your insured employees can use their cash benefits for any purpose they wish, including

• Medical deductibles

• Incidental expenses

• Monthly bills such as rent, homeowners maintenance fees and childcare expenses

Even better for your employees’ peace of mind, this provides 24-hour coverage — which means insurance for

what happens 24 hours a day, 365 days a year, anywhere in the world.

THE CHUBB ADVANTAGE

• Flexibility – Chubb can create tailored solutions to meet the specific needs of your business. Youdecide who is covered, for how much and at what level of coverage each class of eligible insuredsreceives.

• Transparency – easy-to-understand products and detailed, comprehensive policies.

• Integrity – fast, fair, responsive claims administration, from issuing the policy to handling a claim.

• Service – timely quotes, competitive rates, efficient administration, and a network of offices staffed byexperienced underwriters and claim specialists.

• Competitive Rates – single- or multi-year terms, and less administrative work for you.

• Financial Strength – consistently high ratings for financial strength from A.M. Best, Moody’s andStandard & Poor’s, the leading independent analysts for the insurance industry.

CHUBB STRENGTH

When you choose Chubb, you’re relying on one of the strongest carriers in the market: a specialty A&H carrierwith the experience and financial strength to offer rich options, broad coverages and high benefit limits ataffordable costs.

For more information, contact your insurance agent or broker or visit us online at www.chubb.com/accident.

Chubb Group of Insurance CompaniesWarren, New Jersey 07059www.chubb.comForm 44-01-0209 (Rev. 9/13)

The coverages and services described in this literature are not available in all jurisdictions. This literature isdescriptive only; actual coverage is subject to the language of the policies as issued. Exclusions apply.Chubb, Box 1615, Warren, N.J. 07061-1615.

Accidents are the fifth leading cause of death – (National Vital Statistics Report, Volume 58, Number 19, May 20, 2010).

An accidental death occurs every four minutes – (National Safety Council – Injury Facts 2010 Edition).