Supplemental Health Insurance Plans
Extra Protection When Life Brings the Unexpected
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Even with a good health insurance plan, medical costs can add up fast. Supplemental health insurance plans — like Accident Insurance, Hospital Indemnity, Critical Illness, and Fixed Indemnity — help fill the financial gaps that traditional insurance doesn’t cover.
These plans pay cash benefits directly to you, giving you flexibility to handle out-of-pocket expenses such as deductibles, copays, or even everyday bills while you recover.
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What Is Supplemental Health Insurance?
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Supplemental Health Insurance is additional coverage that works alongside your primary health insurance plan. It provides lump-sum or fixed cash payments for covered health events like accidents, hospital stays, or major illnesses.
Unlike major medical plans that pay healthcare providers directly, supplemental plans pay you, so you can use the money however you need — medical or not.
You can apply the benefits toward:
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Medical bills and deductibles
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Lost income during recovery
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Travel and lodging for treatment
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Household bills, rent, or childcare
It’s designed to give you financial protection and peace of mind when unexpected health issues arise.
Accident Insurance
Accidents happen — from broken bones to emergency room visits. Accident insurance provides a lump-sum or per-service cash benefit to help pay for medical expenses resulting from accidental injuries.
It can help cover:
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Emergency room and urgent care visits
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Ambulance services
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Surgery and hospital stays
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Follow-up visits and physical therapy
Hospital Indemnity Insurance
Hospital stays can be expensive, even with health insurance. Hospital Indemnity Insurance pays a daily, weekly, or lump-sum cash benefit for each day you’re admitted to the hospital due to illness or injury.
You can use the money to pay:
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Hospital bills and copays
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Transportation and recovery costs
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Personal expenses while hospitalized
It’s an affordable way to protect yourself from the high costs of hospitalization.
Critical Illness Insurance
A serious diagnosis can affect more than your health — it can disrupt your entire life. Critical Illness Insurance provides a lump-sum cash benefit if you’re diagnosed with a covered condition such as:
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Heart attack
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Stroke
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Cancer
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Major organ transplant
This benefit helps you focus on recovery, not finances, by covering treatment costs, lost income, or household bills during recovery.
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Fixed Indemnity Insurance
Fixed Indemnity Plans (also known as Health Protector or Fixed Benefit Plans) pay a set cash amount for specific medical services — like doctor visits, X-rays, or hospital stays — regardless of what your provider charges.
They’re flexible, easy to use, and can be combined with or used separately from major medical insurance.
Key benefits:
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Affordable monthly premiums
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Simple, predictable payouts
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No deductibles to meet before benefits begin
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