supplement Insurance

Supplemental health insurance is coverage that helps pay for expenses not fully covered by primary health insurance, such as deductibles, copays, or non‑medical costs, such as rent and groceries, from an illness or injury. 

Purpose: It’s designed to supplement (not replace) your primary health insurance.

Coverage types: Accident insurance, critical illness insurance, hospital indemnity, cancer insurance, disability income protection, and more.

How it works: Provides cash benefits directly to the policyholder, which can be used for medical bills or everyday expenses (rent, groceries, childcare) while recovering.

Flexibility: Benefits are paid regardless of other insurance coverage, giving families more financial security.

Portable Coverage: Your supplemental insurance goes with you. If you change jobs or retire, you can keep your coverage by paying premiums directly.