Supplemental insurance

Extra support for life’s what-ifs.

Explore benefits for covered accidents, critical illnesses and hospital stays. Understand what may pay, what qualifies and what is excluded.

An additional layer of support.

A covered injury, diagnosis or hospital stay can affect more than your medical bills.

Supplemental policies provide limited benefits. They do not replace comprehensive health insurance or guarantee that every expense will be paid.

Different policies respond to different situations. The benefit is only useful when the policy’s conditions are met.

Specified benefits for covered accidental injuries or related services.

Which injuries qualify? What treatment is required? What can each benefit pay?

Review exclusions and deadlines for treatment and claims.

Benefits for diagnoses or events that meet the policy’s covered-condition requirements. Some policies offer a lump-sum benefit.

Check the exact medical definitions, severity requirements, waiting periods and repeat-claim rules.

Fixed benefits for qualifying admissions, covered hospital days or other listed events.

Ask whether observation stays qualify and how many days the policy covers.

Your medical plan, other benefits and emergency savings provide the context for deciding whether additional coverage makes sense.

Ask what documentation is needed, how the benefit is calculated and who receives payment.

Compare covered events, exclusions, maximum benefits and eligibility requirements.

Review the policy’s benefits and limitations before deciding whether to add it to your coverage.

An inquiry does not activate coverage.