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Personal Accident Insurance

On this page: Plan Provisions | Eligibility | Plan Contributions | Enrollment Period | Continuation | Additional Services | Contact | Forms & Publications

Plan Provisions 


All full-time Academic (including IU 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 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.

Effective January 1, 2009

Benefit Amount Monthly Cost for Employee Only Coverage Monthly Cost for Employee and Family Coverage*
$  0.78
$  1.56
$  2.34
$  3.12
$  4.68
$  6.24
$  7.80
$  9.10
* For Employee and Family Coverage, benefits for family members will be a percentage of the Benefit Amount selected.

Enrollment Period


For information on continuing this benefit as an individual policy when coverage ends, please see reference Participant Rights and Responsibilities Upon Transfer or Termination.

Additional Services

Cigna Healthy Rewards Program

Cigna includes their Healthy Rewards program as part of the Personal Accident Insurance (PAI) benefit. Participants enrolled in PAI can receive discounts on a variety of health and wellness programs and services such as Massage, Jenny Craig, Chiropractor, Hearing Aids, Lasik Vision Correction and more.

For information on participating providers visit Cigna’s Healthy Rewards website: www.cigna.com/rewards (password: savings) or call 1-800-258-3312. You may reference the Cigna PAI Group Policy Holder: Indiana University and Group Policy Number: OK 980032.

Healthy Rewards Flyer (PDF)

Cigna Will Center

Cigna includes their Cigna Will Center as part of the Personal Accident Insurance (PAI) benefit. If enrolled in PAI, employees and their spouses have access to a suite of tools that may help them build state-specific, customized wills and other legal documents via the Cigna Will Center. Cigna Will Center is an online tool available seven days a week, 365 days a year with phone representatives available to assist via a toll-free number. Once registered with Cigna’s Will Center, employees and spouses can create and store life and health care legal documents online, such as:

  • Last will and testament
  • Living will
  • Health care power of attorney
  • Financial power of attorney
  • Medical authorization for minors

For additional information visit CignaWillCenter.com. Cigna Customer Care Specialists are available to answer your questions and provide additional assistance Monday - Friday, 7:00 a.m. - 7:00 p.m. CST by phone 1-800-901-7534 or email: . You may reference the Cigna PAI Group Policy Holder: Indiana University and Group Policy Number: OK 980032.

Will Preparation Program Flyer (PDF)

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 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 Secure Travel brochure (PDF) or contact their office at 1-888-226-4567.


Personal Accident Insurance (PAI)

Cigna Secure Travel

Cigna Healthy Rewards

Cigna Will Center

IU Human Resources