Additional financial protection when employees need it most

Accidental injury, critical illness and hospital care insurance for clients with 250-plus employees

Even with major medical coverage, employees can be exposed to unexpected out-of-pocket expenses. Our accidental injury, critical illness and hospital care insurance can help reduce this financial burden.

Besides providing employees with additional financial protection, these voluntary benefit solutions offer your clients:

  • Flexibility. Clients can pick benefit options and levels to fit their needs and the needs of their employees
  • Cost efficiency. Offering benefits on a voluntary, employee-paid basis can help your clients enhance their overall employee benefits package without additional employer expense
  • Convenience. Easy management capabilities and a dedicated enrollment solutions manager take the administrative burden away from the client

How they work

  • Accidental injury insurance pays benefits for a broad range of injuries or treatments associated with a covered accident
  • Critical illness insurance provides a lump-sum payment for diagnosis of a covered critical illness or specific disease
  • Hospital care insurance pays a fixed benefit for hospital stays resulting from a covered injury or illness

A payment is made directly to the employee, unless otherwise assigned. There are no copays, deductibles, coinsurance or network requirements to worry about. The money can be used as employees see fit. They can use it to help pay for costs such as:

  • Medical copays and deductibles
  • Travel to see a specialist
  • Child care
  • Help around the house
  • Alternative treatments