Extra protection for specific
costs and situations.

Supplemental Coverage

Hospital Indemnity Insurance

What Is Hospital Indemnity Insurance?

Hospital indemnity insurance is supplemental coverage that may provide a fixed cash benefit when you experience a covered hospitalization or other covered medical event, depending on the policy.

Unlike traditional major medical insurance, which generally pays providers or reimburses covered medical expenses according to the terms of the health plan, hospital indemnity insurance typically provides a predetermined benefit directly to you when you meet the policy's requirements.

Depending on the plan, benefits may be available for covered hospital confinement, outpatient surgery, emergency room treatment, or other qualifying services.

The benefit you receive can generally be used at your discretion. For example, you may choose to use it toward deductibles, copayments, coinsurance, transportation, household bills, or other expenses that may arise while you are recovering.

Benefits, covered events, benefit amounts, exclusions, limitations, and eligibility vary by policy.

Supplemental Coverage

Cancer Insurance

How Is Cancer Insurance Different From Traditional Medical Insurance?

Cancer insurance is supplemental coverage designed to provide benefits when you are diagnosed with a covered form or stage of cancer, subject to the terms and conditions of the policy.

Traditional medical insurance generally helps pay for covered medical services and treatments according to the plan's benefits and cost-sharing requirements. Cancer insurance may instead provide a specified cash benefit for qualifying cancer-related events, depending on the policy.

These benefits may provide additional financial resources that can be used for eligible expenses or other needs. Depending on the policy, benefits may be available for diagnosis, treatment, hospitalization, or other covered cancer-related services.

Cancer insurance is not a substitute for comprehensive medical insurance. It is intended to provide additional financial protection alongside your primary health coverage.

Coverage, benefit amounts, covered conditions, exclusions, waiting periods, and eligibility requirements vary by policy.

Supplemental Coverage

Accident Insurance

What Is Accident Insurance?

An unexpected accident can result in more than just medical expenses. Emergency room visits, physician appointments, diagnostic tests, hospital stays, transportation, and time away from work can all create additional financial challenges.

Accident insurance is supplemental coverage designed to provide benefits for certain injuries and services resulting from covered accidental injuries.

Depending on the policy, benefits may be available for covered emergency treatment, hospital stays, medical examinations, diagnostic services, fractures, dislocations, or other qualifying injuries and treatments.

Accident insurance may provide a cash benefit directly to you when you experience a covered accident. The benefit can provide additional financial flexibility and may be used toward expenses such as deductibles, copayments, transportation, household expenses, or other costs.

Accident insurance does not replace comprehensive health insurance. Benefits, covered injuries, exclusions, limitations, waiting periods, and benefit amounts vary by policy.