Critical Illness Insurance
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Accident, Critical Illness and Hospital Indemnity Insurance

We all know someone who’s been affected by a health issue. From a broken arm at soccer practice to a heart attack — an accident, a critical illness or a hospital stay can happen at any time. With Accident, Critical Illness and Hospital Indemnity Insurance from, you can help prepare for unexpected expenses.

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Voluntary Critical Illness Insurance

Heart Attack
Heart Attack



Organ Transplant
Organ Transplant

Coverage is also is available for your spouse and children. Child(ren) are covered at no additional cost, but will end when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent. By providing financial protection, this coverage allows you to focus on recuperating rather than coping with the stress of how to cover bills related to treatment or everyday living expenses.

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.

Accident Insurance

While you can’t prevent accidents from happening, you can protect yourself from the unexpected expenses that follow. If you are injured in an accident, BorgWarner’s Accident Insurance supplements your medical and disability insurance by helping you pay for the expenses that those plans don’t cover. You will receive a convenient payment all at once for you to pay for things like Copays.

  • Deductibles
  • Lost wages
  • Transportation
  • Childcare
  • Groceries
The level of coverage and pricing varies depending on whether you choose the Basic or Enhanced option. You receive greater coverage under the Enhanced option, but you also pay a bit more for that coverage. Benefits are paid per accident. For more information, see the flyer in the download section on the page.

Hospital Indemnity Insurance

When you, your spouse or your dependent children are hospitalized, Hospital Indemnity Insurance helps cover the out-of-pocket costs associated with the hospital stay — expenses not covered under the medical plan. There are two coverage options to choose from: Basic or Enhanced. Each option pays a hospital admission benefit plus a daily confinement (hospital stay) benefit.

Covered hospitalizations include:
  • Accident
  • Sickness
  • Substance abuse
  • Mental health
  • Maternity

For more information, see the flyer in the download section on the page.

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