Combined, part of Chubb, is introducing a new individual accident-only policy in Texas, expanding its portfolio of supplemental health products with a guaranteed renewable offering focused on fixed-benefit payouts tied to accidental injuries.

The filing, submitted on April 3, 2026, outlines Policy Form 14645, a standalone accident-only product that pays set cash benefits for events such as hospital admissions, fractures, emergency care, and accidental death. The policy does not cover sickness or major medical expenses, positioning it as a supplemental product rather than comprehensive health insurance.

The coverage is structured around a schedule of predefined benefits. Examples include $500 for hospital admission, $150 per day for hospital confinement, $75 for emergency room visits, and tiered payouts for injuries such as fractures, burns, and dislocations. Accidental death benefits reach up to $5,000, with higher limits for common carrier incidents.

The policy is guaranteed renewable for life, with premiums subject to change after the first year on a class-wide basis. Coverage is issued on a guaranteed-issue basis for eligible individuals who are actively at work, and distribution will rely on licensed brokers and in-person sales through insurance producers.

From a distribution standpoint, the product supports both payroll deduction and alternative payment methods, signaling alignment with employer-sponsored or worksite-style enrollment strategies. Applications can be completed digitally or on paper, with policies issued centrally.

At its core, the policy reflects a traditional accident indemnity model: simple underwriting, fixed payouts, and broad distribution through agents, targeting consumers seeking supplemental financial protection against unexpected injuries rather than comprehensive medical coverage.