What is supplemental insurance?
These are policies designed to cover what your main insurance doesn't include. They pay direct benefits in case of accidents, critical illness, hospitalization, or disability, money you can use as you need.
Supplemental Insurance
Additional coverage that protects you against unexpected expenses. Ideal as a complement to your health or life insurance.
Types of supplemental coverage
The most common options include accident insurance, critical illness coverage (cancer, heart attack, stroke), hospital indemnity, and short-term disability insurance.
When does it make sense to add coverage?
If your health plan has high deductibles, if you work a physically demanding job, or if your family depends on a single income, supplemental insurance can be the difference between a manageable emergency and a financial crisis.
Frequently asked questions
Does supplemental insurance replace health insurance?+
No. It's a complement. It works alongside your health insurance to cover expenses your main plan doesn't include, like copays, deductibles, or lost income.
How much does it cost?+
Many options start from $20 and up per month per person. Cost depends on the type of coverage and your profile. We help you find the right combination.