Supplemental Insurance, paid directly to employees.
Even the best group health plan leaves employees with out-of-pocket costs, deductibles, copays, lost income during recovery, and expenses insurance simply doesn't cover.
Supplemental Insurance
Supplemental benefits like critical illness, accident, and hospital indemnity pay cash directly to employees to fill those gaps. They can be offered as voluntary benefits that employees pay for through payroll deduction.
Critical Illness Insurance
Pays a lump-sum cash benefit directly to the employee upon diagnosis of a covered condition, cancer, heart attack, stroke, and others. The employee uses it however they need: mortgage, travel for treatment, lost income.
Learn More →02, AccidentAccident Insurance
Pays a fixed cash benefit for injuries from covered accidents, broken bones, burns, ER visits, and follow-up care. Helps employees cover costs their health plan doesn't fully absorb without touching their savings.
Learn More →03, Hospital IndemnityHospital Indemnity
Pays a daily or per-admission cash benefit when an employee is hospitalized, covering the out-of-pocket costs and income disruption that a hospital stay creates beyond what health insurance covers.
Learn More →04, Cancer CoverageCancer Insurance
Specialized coverage that pays benefits throughout a cancer diagnosis, from initial detection through treatment and recovery. Covers expenses no health plan fully addresses: experimental treatment, travel, and extended time off work.
Learn More →Standard Health Insurance Has Real Limits. Supplemental Benefits Fill the Gap.
Even with a group health plan, an employee can face costs the plan doesn't cover when something serious happens: deductibles, out-of-network bills, lost income, and expenses outside the plan's scope. Supplemental benefits are designed for those moments.