Accident Insurance
May provide benefits for covered accidental injuries and related events, depending on policy terms.
Supplemental Insurance Protection
Supplemental Insurance Protection
Health insurance is an important foundation, but an accident, serious diagnosis, or hospital stay can create expenses beyond what a primary medical plan covers. Supplemental insurance may provide additional financial support when eligible covered events occur.
Coverage types
Four kinds of supplemental coverage.
Each type works differently. Benefits, how they are paid, and what qualifies as a covered event depend on the specific policy.
Critical Illness Insurance
May provide a lump-sum benefit following diagnosis of a covered serious illness, subject to policy definitions and conditions.
Hospital Indemnity Insurance
May provide specified benefits associated with covered hospital admissions or stays, depending on policy provisions.
Cancer Insurance
May provide benefits associated with covered cancer diagnoses or treatments, subject to policy terms, limitations, and exclusions.
Education
Why consider supplemental coverage?
Supplemental insurance may help households prepare for financial exposure that a primary medical plan is not designed to address.
- Deductibles and other out-of-pocket expenses
- Transportation and incidental expenses
- Household expenses during recovery
- Other financial disruptions associated with covered events
Whether and how much a policy pays depends on the specific policy and the covered event. Benefits are not guaranteed to cover every expense.
Alongside your health plan
Supplemental coverage complements major medical insurance.
Supplemental policies are generally limited-benefit coverage. They are designed to work alongside comprehensive medical insurance, not to replace it. Before considering supplemental coverage, it helps to understand the primary health plan already in place, including its deductible, out-of-pocket maximum, and network.
Next step
Find coverage that fits the life you're living.
An Insurance ProActive Financial Relationship Manager™ can help you explore available options and understand how supplemental coverage may fit alongside your existing insurance.
Important information
- Product availability varies by state and carrier.
- Benefits, limitations, exclusions, and waiting periods vary by policy.
- Coverage is subject to eligibility and policy terms.
- Supplemental insurance is not a substitute for comprehensive major medical insurance.
- Descriptions on this page are general education. The specific policy, as issued by the carrier, determines what is covered and how benefits are paid.