Personal Accident Insurance (PAI)

Indiana University's Personal Accident Insurance plan pays benefits in the event of accidental loss of life or severe injuries which result in dismemberment. Various additional benefits are available for such situations as violent crime, death of both employee and spouse in one accident, education or training for surviving children or spouses.

FAQs  Publications & Forms  Customer Service


PAI Basics


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).

Enrollment period

New employees have 30 days from the date of employment to enroll. After 30 days, eligible employees who do not choose to enroll at the time of employment may do so during the annual Open Enrollment Period.

Changes in plan enrollment may be made in the case of a Qualifying Event*.

Enrollment continues as long as the employee remains eligible and pays the premium; coverage for dependent children ends when they no longer qualify as dependents.

*A Qualifying Event is a significant family or employment change, such as: marriage, divorce, death of a dependent, birth of a child, spouse's termination or commencement of employment, and termination or commencement of leave-without-pay.

Coverage amounts

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.


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

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.

Additional Services

The following programs are a part of the Personal Accident Insurance Plan:

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: (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 Secure Travel is 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.
Employees do not have to enroll in this service. As a participant in the PAI 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
  • Medical Evacuation
  • Repatriation
  • Assistance with Lost or Stolen Items
  • Legal Assistance
  • Translation & Interpretation Services
  • Other emergency Travel Services

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.

Learn more about this plan in the PAI Plan Summary Chart (PDF).

Frequently Asked Questions

How do I submit a claim?

Refer to these FAQs about submitting a PAI claim (PDF).

How do I add new family members to my plan?

You may make changes to your plan within 30-days of a qualified Life Events change (after 30-days you'll need to wait until Open Enrollment). To do so request a Life Events change through the Employee Center and, once your request is approved by HR, complete online enrollment of your changes.

For each eligible dependent you add, you will need to provide:

  • Full name 
  • Date of birth 
  • Social Security Number

How do I update my beneficiaries?

You may change your beneficiaries at any time by completing the process online at the Employee Center.

What happens to my PAI Plan when I leave IU?

For information on continuing this plan as an individual policy when coverage ends, see page 6 of the Benefits After Separation Booklet (PDF).


PAI Booklet (PDF) 

PAI Plan Summary Chart (PDF)

PAI Frequently Asked Questions (PDF)

PAI Conversion Application (PDF)

Cigna Healthy Rewards Flyer (PDF)

Cigna Secure Travel Brochure (PDF)

My Secure Advantage Flyer (PDF)


Accidental Dismemberment: Proof of Loss Claim Form (PDF)

Accidental Death: Proof of Loss Claim Form (PDF)


Customer Service


Personal Accident Insurance (PAI)

Cigna Secure Travel
From the U.S. and Canada

From other locations
202-331-7635 (collect)

Cigna Healthy Rewards

IU Human Resources