AIG Accident & Health Overview Brochure

Special Risk/Participant Accident Insurance SolutionsProviding coverage for members of organizations participating in policyholder sponsored and supervised activities

Insurance underwritten by: National Union Fire Insurance Company of Pittsburgh, Pa.

with its principal place of business in New York, NY.

Policy Form Series: C11695DBG

Solutions to Help Manage Risk

Coverage that Works Hand-in-Hand with Other InsuranceAccident insurance can complement an organization’s general liability policy by filling in gaps that may exist, and/or by offering broader limits.

In today’s environment, people regularly participate in sports, volunteer activities, civic group functions, and special events. Increasing numbers of diverse recreational organizations are forming and flourishing, and with that growth comes added risk.

Special Risk/Participant Accident insurance programs offered through AIG’s Group Benefits business provide coverage for members of organizations participating in sponsored activities—addressing the inherent risk of injuries that may come about during various covered activities.

Accident Medical Expense• Pays the reasonable and customary

expenses such as doctor visits,hospital stays, X-rays, ambulanceservice, laboratory tests, anesthetics,and more for covered losses.

• Coverage can be written ona primary or excess basis withvarying deductible andcoinsurance options available.(Note: Excess coverage is notavailable in all states.)

Accidental Death and Dismemberment (AD&D)Provides a lump sum payment for a covered accident that results in a loss of life, limbs, speech, hearing, or sight.

Catastrophe Cash Pays benefits monthly or in a lump sum for covered injuries that result in coma or paralysis.

Weekly Accident Indemnity (WAI) Pays an indemnity benefit for a short term disability which may replace lost income due to a covered accident.

Emergency Medical Evacuation Provides coverage for transportation to the nearest medical facility qualified to treat the insured if an injury or emergency sickness occurs. Once stabilized, the insured is transported to a hospital near home.

Repatriation of Remains Provides coverage for the preparation and transportation of an insured’s mortal remains to family members in the event of death while traveling.

Travel Insurance Services offered by Travel Guard Valuable assistance services that are available to covered individuals traveling 100 miles or more away from home.

Primary Benefits and Services

Special Risk/Participant Accident Insurance for a Wide Variety of GroupsWhen organizations provide Special Risk/Participant Accident insurance to members, this may help to attract and retain participants because insurance coverage is provided to each and every member.

Customized Solutions for Diverse Organizations and Needs

Day Care Centers, Nursery Schools, CampsPolicy offers door-to-door coverage for enrolled children, staff and volunteers when traveling directly between the facility and home, while on the premises, and when participating in activities supervised by the facility or program.

Amateur Sports, Recreation Coverage is available to team players, managers, coaches and in some cases volunteers while participating in a practice session, a scheduled game or tournament game sponsored and supervised by the policyholder/organiza-tion, and for team members while traveling directly to or from a game.

Non-profit, Volunteers, Religious or Faith-based OrganizationsCovers members, volunteers, and participants in policyholder sponsored or supervised activities, or traveling to and from activities both domestically and internationally.

Special Events, Entertainment, Hospitality, Festivals, Fairs Covers volunteers and participants, during the event, while setting up the event, cleaning the event, and even while en route to and from the event.

Community Colleges, Other Institutions of Higher Learning Covers enrolled students (both resident and nonresident) and in some cases instructors when accidents occur.

Private and PublicSchools (Grades K-12) Covers enrolled students participating in school-sponsored or school-supervised activities, including sports activities. For more detailed information, please see our K-12 marketing materials.

AIG offers an array of benefits and limits that can be tailor-made for organizations. Coverage can be purchased on a long-term (annual) or short-term basis, and can even be purchased for a single-day event. Backed by the strength and resources of one of the world’s largest insurance organizations, with extensive experience in the special risk arena, AIG can customize a program, drawing from a broad range of benefits and services.

IMPORTANT: This program provides accident insurance only, it does not provide basic hospital, basic medical, or comprehensive/major medical coverage, and does not satisfy the “minimum essential coverage” requirements of the Patient Protection and Affordable Care Act.www.aig.com/us/benefits

The Policy contains reductions, limitations, exclusions, definitions and termination provisions. Full details of the coverage are contained in the issued Policy. If there are any conflicts between this brochure and the issued Policy, the Policy shall govern in all cases. Travel Assistance Services provided by Travel Guard Group, Inc. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage not available in NH or WA.

This is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All products are subject to the policy terms, conditions, limitations, reductions, exclusions, and termination provisions. Please see policy and certificate for details.

For additional information, please visit our website at www.AIG.com.

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We’re the world’s largest insurance organization, with more than 90 million customers worldwide, $64.4 billion in revenue and a total of 95 years in operation. We’re leaders in property casualty insurance, life insurance and retirement services, and mortgage insurance.

With decades of experience in the Special Risk/Participant Accident market, we have the insurance knowledge, risk appetite, and flexibility to cover the diverse consequences associated with constantly changing lifestyles. Our resources help organizations meet today’s challenges, effectively deal with the unexpected, and

confidently pursue new opportunities that can strengthen their long-term success.

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Find out how Special Risk/Participant Accident insurance programs can help insure special risks, build membership, and attract participants. For costs and complete details of the coverage(s),

contact your local AIG Personal Accident representative.