Needlestick / Accidental Occupational Insurance by Vigilance
Insurance coverage for felonious assaults, needlestick and sharps injuries, and blood and bodily fluid exposure.
Who needs needlestick insurance?
We recommend that all healthcare workers have their own needlestick insurance coverage to financially protect themselves should they contract an infection due to a sharps-related injury or exposure to blood.
Despite advanced protective equipment and best practices, the risk of blood-borne infection through needle, sharp or splash remains a very real threat to all healthcare professionals. Although we can’t prevent accidents like these from happening, we can give you control of the outcome.
By trying to provide professionals with a cost-effective, easy to understand, INDIVIDUAL benefit, we can help you get your life back on track.
You may have a similar benefit through your employer, but what if you have multiple employers or you do volunteer work? Are you covered everywhere you provide services? Vigilance Needlestick Insurance takes the guesswork out and gives you back some confidence about your future.
Insurance Designed With You In Mind!
Convenient Benefits
The costs associated with an unforeseen needlestick injury may be higher than imagined. Workers Comp typically only covers a portion of your salary, and more insurers are denying coverage for necessary treatments. Vigilance Needlestick Insurance offers a better solution by helping to supplement what Workers Comp and insurance plans won’t cover with a lump sum benefit after a covered accident.
Portable, Flexible Coverage
As an Individual policy, coverage travels with you so you’re covered whether you’re at work or volunteering in your free time. Once you receive your benefit, you may use it however it helps the most. Use it to supplement your lost income, pay your rent or mortgage, student loans or even purchase medication!
Competitively Priced Options
Vigilance Needlestick Insurance may be more budget friendly than you think! Many employer-based plans offer a wide array of benefits, which you may or may not need, which drives the cost up. We wanted to help medical professionals with a SPECIFIC problem and try to make it more cost-effective than you might think.
What is covered under Vigilance Needlestick Insurance?
Infected Needlestick Benefit
Vigilance Needlestick Insurance may pay a benefit if you experience a needlestick as the result of an occupational accident and it can be verified that the patient or source of the exposure was infected with Hep B, Hep C or HIV at the time of the Needlestick Exposure.
Felonious Assault Benefit
If you are a victim of a covered felonious assault on the job and are admitted into a hospital as an inpatient as a result, the policy may pay a daily benefit amount while hospitalized for up to 10 days (up to 31 days in NH). This could help you with your health insurance deductible or even supplement some of your lost earnings when you miss work.
Occupational HIV, Hepatitis B, and Hepatitis C Benefits
You may receive a lump sum benefit if you test positive for Hep B, Hep C or HIV within 180 days of a covered sharps injury, blood or bodily fluid exposure incident and are subsequently diagnosed with one of those infections.
Get Vigilance Needlestick Insurance!
This is a brief description of coverage provided under policy form series BI-10000P, Rider form Series BI-10005R, BI-10006R and BI-10008R underwritten by Berkley Life and Health Insurance Company (domiciled in Iowa – California Certificate of Authority #08527) 2445 Kuser Road, Suite 201, Hamilton Square, NJ 08690 and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage terms, conditions, limitations and exclusions may vary or may not be available in all states.
The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.