Accident and Health insurance

Protect the people who power your business

Life is unpredictable, as are accidents, whether they occur at home or work. Accident & Health (A&H) cover helps businesses safeguard their most important asset – their people – minimising the financial cost and interruption to the business when an employee is unable to return to work.

Why choose us for accident and health insurance?

Dedicated Claims service

A dedicated claims manager will handle the claim from beginning to end, engaging experts where necessary, following notification of a claim through our dedicated workplace health team at IPRS Health who understand the importance of a healthy workforce. As part of the proposition, support for physiotherapy, wellbeing and workplace assessments is available. When employees are ready to return to work, rehabilitation needs and medical reports can be arranged on a claim-by-claim basis for your clients.

Wellbeing Services

Looking after your people and investing in their wellbeing can lead to increased productivity, increased engagement and a happier healthier workforce. That’s why we include a range of wellbeing services and benefits at no extra charge with every Group Personal Accident or Business Travel product.

Risk Management and Travel app services

Offering medical emergency and security assistance and claims functionality, the Aviva business Travel app keeps users updated and in touch wherever they go.

Access to Aviva Risk Management guidance and support material from our dedicated website to help keep your employees safe and well at work. 

What cover do we provide?

Group Personal Accident (GPA)

GPA cover helps protect businesses from the effects of business interruption, staff absence and serious injury caused by accidents. It can also form part of your client’s employee benefits package.

Business Travel

Business Travel cover helps protect employees who experience accidents, medical emergencies or security incidents while overseas for work. Cover automatically applies to journeys, which saves the time and effort of arranging individual travel policies for each trip.

Business Travel App

Experts at Solace Global Risk, partnered with CEGA Group, will aim to resolve any issues encountered by our Business Travel clients, wherever they are in the world. They're contactable 24/7 for emergency medial assistance via the Aviva Travel Assistance App. These experts can provide medical care for an injury, crisis management for a natural disaster, a response to kidnap and ransom, assistance with evacuation during a coup, or a global medevac after a serious incident.

  • Get medical emergency and security assistance
  • View 200+ country reports
  • Get real-time alerts
  • Access risk maps
  • Arrange business travel insurance certificates for Visa applications
  • Make a business travel claim
  • Access a range of concierge services
  • Sync the app with your desktop


Affinity Group Personal Accident insurance provides a tax-free lump sum or an ongoing weekly payment to help members of an affinity group to mitigate the financial consequences of an accident or injury. 

The Policyholder can decide who in the affinity group is to be insured, when the cover operates and the sum insured.

Cover is fully bespoke to the affinity groups needs, examples would be whilst playing their chosen sport or whilst performing official duties for the Policyholder

Support for physiotherapy, wellbeing and workplace assessments are available when an injured person is ready to return to work. Rehabilitation needs and medical reports will be dealt with on a claim-by-claim basis.

Offering employee support without additional cost in relation to wellbeing outside of the policy coverage. This includes mental health guidance/tools by expert clinicians, mental health training for leaders, cancer care support, gym discounts and counselling services.

Exclusions to these covers do apply.

Business Travel App

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Wellbeing Services

Looking after your people and investing in their wellbeing could lead to increased productivity, increased happiness and a healthier workforce.

Aviva provide services which support in three key ways - mental, physical and financial:

Please see the Wellbeing Services Guide on how to access these services or for any policy coverage queries, please direct these to your Broker.

These services are available to our Group Personal Accident and Business Travel policyholders and their employees. Terms and conditions apply. 

Access to all these services are only permitted if you reside in the UK, the Channel Islands or the Isle of Man. This service is not available to Gibraltar, Ireland or overseas customers. 

 * These services are non-contractual benefits and can be changed or removed at any time.

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Transcript  for video Wellbeing Services

At Aviva we know how important it is to look after your people and their wellbeing.

The Aviva Line Manager Toolkit for Mental Health provides bite sized video modules and supporting content designed to help your managers support the mental health of their team.

Our Get Active service supports employees with their overall wellbeing and fitness goals, by providing access to 'My well being discounts' for savings on gym and health club memberships, as well as discounted lifestyle products and services.

Our Wellbeing Library is an online resource full of useful content, articles and information that offers helpful support on all kinds of situations.

Our Counselling service offers you direct access to the British Association for Counsellors and Psychotherapists 24 7, 365 days a year, and you can access up to six, one hour telephone counselling sessions. All calls are free and confidential.

To find out more, please refer to our Wellbeing Services Guide. For any policy coverage questions, please contact your Aviva broker.

Line Manager Toolkit: Mental Health*

Aviva's Line Manager Toolkit focuses on helping line managers support the mental health of their team.

This is a digital service that includes bite-sized video modules and downloadable materials, designed by clinicians, which aim to help line managers spot the warning signs of poor mental health. The Toolkit also helps line managers feel more confident in having supportive conversations with team members, so they can address issues before they become more serious.

Get Active*

Our Get Active hub is here for you and your employees to get help with wellbeing and fitness goals. There are savings on access to gyms, health clubs, boot camps and yoga studios across the UK, Northern Ireland, Channel Islands and Isle of Man.

Cancer Care with Get Active*

Your employees will have access to discounted products and services that can help with the daily living adjustments a cancer diagnosis and treatment can bring as well as offers on services and experiences that may enhance quality time spent with family and close friends.

Wellbeing Library*

Stress and worry can take a toll on wellbeing. The Wellbeing Library is an online library for both you as an employer and also for your employees. It's full of useful content, guides and tools on all kinds of situations; from family and relationships, money or work, mental or physical health conditions, we provide information to help.

Counselling service helpline

Employees of Aviva commercial customers have access to a confidential counselling helpline to help deal with personal issues such as bereavement, divorce and workplace bullying. Your employees can access a 24/7 confidential service to assist.

GCS Accident & Health Lead

Luke Powis

Luke leads a team of over 15 underwriters focusing on personal accident cover and business travel cover. Before he joined Aviva, Luke spent time in both South Africa and the UK leading teams with a focus on accident and health for a global carrier specialising in large multinational programmes and digitally distributed consumer and commercial products.

Multinational Capabilities

We can lead global insurance programmes worldwide through our Multinational Centre of Excellence (COE) and our partner network that covers more than 150 countries. We strive to provide a seamless, client-focused end-to-end service – creating controlled master programmes for corporate clients.

Our underwriting appetite

Our diverse underwriting appetite allows us to write more than you may think.

Learn more about our appetite