Medical insurance does not prevent all of the financial strain of a major illness or injury. Depending on the medical plan you are enrolled in, you can be exposed to up to $11,600 if you or a family member becomes seriously sick or injured. Many families don’t have enough in their savings to cover the deductible and coinsurance of a major medical event. Supplemental medical benefits can help cover this out-of-pocket financial exposure for a reasonable cost. The benefits are paid directly to you, allowing you to use the funds however you choose. You receive the full benefit even if you have other insurance.
Critical Illness Insurance reduces the financial impact of a major illness, such as a heart attack, stroke, or cancer by paying a full lump sum benefit directly to you.
Accident Insurance pays benefits directly to you if you suffer a covered injury such as a fracture, burn, ligament damage, or concussion.
Hospital Indemnity pays benefits directly to you if you are admitted into a hospital for care.