Supplemental Insurance

Supplemental insurance provides extra financial protection to fill gaps in your primary health insurance, paying cash benefits directly to you for specific events or costs.

Common Types

  • Accident: Lump sum or daily benefits for injuries (e.g., ER visit, broken bones).

  • Critical illness: Cash payout upon diagnosis of covered conditions like cancer, heart attack, stroke.

  • Hospital indemnity: Fixed payments for hospital stays, surgeries, or ambulance rides.

  • Cancer: Covers treatments, chemo, or related expenses not fully paid by medical insurance.

  • Dental/vision: Routine care your major medical plan excludes.

How It Works

Premiums are low because benefits are limited and predefined. No deductibles or networks in most cases—you get cash regardless of other coverage.

Note

It’s not a substitute for major medical plans.

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