When a family member is diagnosed with a critical illness, the financial impact can be overwhelming. And while traditional health insurance may cover many expenses, other costs must be paid out-of-pocket. A critical illness policy like Group Critical Illness insurance can help employees cover the costs that arise from a critical illness diagnosis, leaving their family savings intact.
- Lump-sum first diagnosis, additional diagnosis and recurrence benefits paid directly to the insured following the diagnosis of a covered critical illness
- Continuation applies
- Spouse and dependent coverage available
- Benefits are paid directly to the insured
- Three plan-type options to cover an array of needs
- Benefits do not reduce because of partial benefit percentages
- Health screening benefits (for covered dependents as well) are included in all plans
Group Hospital Indemnity insurance offers your employees a solution to the financial burdens created by unexpected trips to the physician's office or hospital emergency room. It also provides additional protection against the financial burden of a serious injury or illness. Group Hospital Indemnity insurance can be tailored to fill any benefit gaps that might exist in your current medical plan—and the benefit is paid directly to the employee regardless of what's covered by other insurance.
- Broad protection for a wide range of hospital-related expenses associated with nonoccupational injuries or sickness, including hospital admission and confinement, outpatient medical treatment, routine childcare visits, surgery and anesthesia
- Benefits paid directly to the insured, regardless of other medical coverage
- Spouse and children coverage available
- Flexible plan design to meet a wide range of coverage and income levels
Accidents happen, and when they do, the affected parties need medical attention right away. Group Accident insurance covers a wide variety of accident-related conditions, including fractures, dislocations and more—regardless of what is covered by other sources. All benefits are paid directly to the employee to use as he or she sees fit.
- Broad protection, plus 24-hour and nonoccupational coverage for a wide range of injuries, including most children’s sports injuries, as well as expenses not usually addressed by traditional health plans, such as transportation and lodging costs of treatment at a nonlocal facility
- Benefits paid directly to the insured, regardless of other medical coverage
- Spouse and children coverage available
- Issue ages 18 to 69
- Flexible plan designed to meet a wide range of coverage and income levels
Being diagnosed with a critical illness can generate costs far beyond medical expenses—costs that may or may not be covered by traditional health plans. A critical illness insurance policy can help employees cover the costs that arise from a critical illness diagnosis, leaving their family savings intact.
- Pays a tax-free single-payment benefit (according to current federal tax laws) regardless of what is covered by other sources—up to $100,000, directly to the policy holder
- Covers a broad range of conditions most likely to cause major lifestyle changes, including heart attack, stroke, cancer and kidney failure
- Loss of Independent Living Rider covers the inability to perform two or more activities of daily living (eating, dressing, etc.) without assistance
- Can cover spouse and children on the same policy
- Occupational HIV rider for medical professionals
- Preventive Care Benefit pays up to $50 a year for a wide variety of medical tests
- Benefit Extension Rider (CriticalCare insurance only; not available for plans without a cancer benefit) pays a benefit on a second or third critical illness, or on a second diagnosis of the same illness
- Free membership in Best Doctors referral service, should the policy holder pursue a specialist for a second opinion
- Issue ages from 18 to 69; guaranteed renewable to age 75
No one can predict when or where an accident will happen—or what the related costs will be. With Personal Accident insurance, employers can help employees and their families prepare for the financial impact of an accident and the resulting injuries.
- Benefits for the injuries for which employees are most likely to need coverage, including most children’s sports injuries
- Benefits are paid directly to the policy holder—regardless of what is covered by other sources
- Riders that help employees customize their coverage
- 24-hour and off-the-job-only coverage options for Accident-Only Disability Income Benefit Rider
- Issue ages 18 to 69
- Underwriting based on application questions only
- Renewable to age 75