Accident
Pan-American Accident & Health’s group accident coverage is a simple, economical way to help organizations take care of their people and minimize risk. We will help you deliver fast, affordable, customized solutions to your clients and prospects that seek to:
Fill gaps in their life and health insurance offerings
Provide protection against specific risks associated with certain activities
Minimize liability exposure
We are committed to providing tailored solutions that meet the individual risk management needs of each prospect and client. For this reason, we offer flexible, creative underwriting solutions. In fact, because accident insurance can be highly specialized, we may partner with third-party experts when enhanced product or administrative support is needed.
Our group accident products are designed to serve specific markets and fall into four main product categories:
Transportation
Travel
Student
Participant
Health Benefits
Pan-American Accident & Health specializes in developing innovative, affordable, and meaningful employee benefit solutions that fit the needs of most industries.
We provide meaningful and access-based benefits for employer-paid and voluntary plans in the United States. Our products and services offer solutions in response to the pressures of rising insurance costs in a competitive marketplace. We are driven to provide group benefits that are affordable and easy to understand in order to make healthcare work. We pride ourselves in providing personal customer service at a level that exceeds industry benchmarks.
Pan-American Accident & Health’s flexibility allows us to deliver business solutions for our distribution partners and their clients to ensure long-term mutual success. We stand committed to providing innovative product solutions and processes to satisfy a wide variety of partners in an ever-changing marketplace. To find your sales rep, click here.
Medical Stop Loss
Stop-loss coverage helps employers who self-fund their employee benefit health plans manage their loss liabilities and mitigate their financial risk. It includes the development of cost-effective quotes, flexible coverage terms, and consistent renewal offerings.
Traditional Specific & Aggregate Stop Loss
Coverage that is used to help manage risk for employers who are self-funding their major medical plans.
Level-Funded Stop Loss
This coverage allows employers to budget a fixed monthly contribution.
Who We Serve
Pan-American Accident & Health provides tailored business solutions for underinsured, underserved employer employee groups. Our solutions can fit the needs of nearly every industry. Pan-American Accident & Health provides tailored business solutions that fit the needs of most industries, with many years of experience in the following industries:
Agricultural and seasonal
Civic groups
Construction
Daycare facilities
Educational institutions
Entertainment
Federal government contractors
Gig-based employers
Home healthcare
Hospitality
Not-for-profit groups
Restaurant and food service
Schools and camps
Skilled nursing/assisted living
Staffing agencies
Trucking
Youth sports
With over 100 years of experience in Latin America, Pan-American Accident & Health also provides value and services that support the U.S. Hispanic market.
Learn More:
Government Contractors (SCA)
Navigating health care in the government contracting space can be difficult, at best. Fortunately, Pan-American Accident & Health makes it simple. We have a long history of taking a company-whole approach, with emphasis on customer support, to provide our clients with rich benefit solutions under one platform. Click here to learn more.
Education
K-12 Accident
Our customizable coverage protects primary and secondary students on school premises and during off-site school-sponsored activities. Schools can elect to cover all students, student athletes, or students participating in other activities. Compulsory, catastrophic or voluntary plans are available.
Intercollegiate Sports (ICS)
Protection against accidental injury and related expenses for intercollegiate sports.
Inbound Student Health*
Inbound student health coverage provides non-ACA health coverage for international students. All coverage meets or exceeds international student visa requirements.
*Underwritten by Pan-American International Insurance Company; domiciled in Grand Cayman
About Pan-American Accident & Health
At Pan-American Accident & Health, we provide quality benefits that offer solutions in response to the pressures of rising insurance costs in a competitive marketplace. Our products are recognized nationally for the quality of benefits, competitive pricing, and the ability to customize offerings for a wide variety of industries. We strive to provide group benefit programs that are uncomplicated which means products and services that are easy to use and understand. Pan-American Accident & Health is a division of Pan-American Life Insurance Group which is a leading provider of insurance and financial services throughout the Americas. Since 1911, Pan-American Life has delivered reliable, flexible, and quality products based on our deep knowledge and understanding of both the U.S. and Latin American markets in which we do business.
Pan-American Life Insurance Company, the issuing company for our insurance products, enjoys the following ratings from independent rating agencies that evaluate the financial strength of insurance companies, taking into account their balance sheet, operating performance, business profile, and their ability, in financial terms, to meet their obligations to policyholders.
"A" (Excellent) from AM Best—AM Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its ongoing obligation to policyholders.
"A" (Strong) Insurer Financial Strength with Outlook Stable from Fitch—The Insurer Financial Strength (IFS) Rating provides an assessment of the financial strength of an insurance organization.
