Voluntary Benefits


Supplemental medical insurance can help cover expenses not included in your primary medical plan, even if you have comprehensive coverage. In case of a critical illness or severe injury, out-of-pocket expenses can quickly add up, and supplemental insurance can provide additional protection. 

Accident Insurance

Accident Insurance is designed to provide cash benefits to help you pay for medical expenses that are not covered by your primary medical plan, such as deductibles and coinsurance, as well as everyday living expenses.

Based on your plan, you receive a cash benefit up to a specific amount for:

  • Dislocation or fracture
  • Initial hospital confinement
  • Intensive care
  • Ambulance
  • Medical expenses
  • Outpatient physician’s treatment

Critical Illness Insurance

Critical Illness Insurance can help alleviate financial concerns during difficult times by providing benefits directly to you if you are diagnosed with a covered serious illness or condition. This coverage pays out a lump-sum benefit to cover out-of-pocket expenses not covered by your primary medical plan. 

You can receive a lump-sum benefit to help cover:

  • Deductibles
  • Prescriptions
  • Coinsurance
  • Housekeeping services
  • Special transportation services
  • Child care
  • And more

Hospital Indemnity Insurance

Hospital Indemnity Insurance provides added financial protection by offering supplemental payments to help cover hospital stays, ambulance services, surgery, and other inpatient or outpatient treatments not covered by your primary medical plan. Benefits are paid out as a lump-sum cash amount for services such as hospital admission, accident-related inpatient rehabilitation, hospital stays, and pregnancy stays. This coverage has no pre-existing condition limitations and includes hospital stays for pregnancy. 

You can receive a lump-sum cash amount for hospital services, such as:

  • Hospital admission
  • Accident-related inpatient rehabilitation
  • Hospital stays
  • Pregnancy stays