Supplemental Health Insurance
Unexpected out of pocket medical expenses may be mitigated with supplemental health insurance from Arch Insurance.
Why Use Supplemental Health Insurance?
Major medical plans typically feature high deductibles and greater co-insurance participation from individuals and families, who may welcome ways to manage these costs. That’s where our supplemental product steps in, providing a source to help manage these out-of-pocket expenses.
Available Benefits
Arch Insurance Accident & Health offers a solution that combines Accident Medical Expense (AME) Reimbursement, Critical Illness, Accident & Sickness Hospital Cash (Indemnity), and Accidental Death & Severe Injury benefits. These benefits are available in different combinations under different plans/packages, allowing you to configure the right benefit mix and price point for your prospective clients.
Insurance Plans & Benefits
| Plans | Benefits |
|---|---|
| Accidental Death | Accidental Death: $50,000-$300,000 in $50k increments |
| Accidental Death & Severe Injury | Accidental Death: $10,000 | $25,000 | $50,000-$300,000 in $50k increments Accidental Dismemberment: 25%-100% of the accidental death benefit amount as scheduled in the policy. Accidental Paralysis: 25%-100% of the accidental death benefit amount as scheduled in the policy. |
| Accident Medical Expense | Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 |
| Accident Medical Expense and Critical Illness | Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 |
| Accident Medical Expense, Critical Illness, and Hospital Indemnity | Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days |
| Accident Medical Expense and Hospital Indemnity | Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days |
| Critical Illness and Hospital Indemnity | Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days |
| Hospital Indemnity | Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days |
*May vary by state.
Notice: This is a brief description of coverage provided and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage may vary or may not be available in all jurisdictions. In the event of any conflict between this summary of coverage and the policy, the policy will govern. The policy is a short-term policy, with limited benefits. This insurance is not an alternative or replacement to comprehensive medical or major medical coverage. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Insurance Rates and Costs
Rates vary by state and age. Contact us and one of our team members would be happy to walk you through several scenarios based on your business and your clients.
For Producers
This product was designed for insurance brokers to offer their clients an additional layer of supplemental health protection, bolstering their existing plan offerings. Powered by our new and innovative technology, quoting and digital marketing is now seamless and adding this product to your portfolio makes sense. We hope you will join us in our quest to change the supplemental health insurance with this product offering, one family at a time.
Enrolling Clients
Our cutting-edge technology empowers distribution partners to seamlessly promote and sell our products. With an innovative Arch APEX digital marketing platform, brokers can tailor proposals within minutes. Clients can then self-enroll or purchase through their broker. Branded to their agency’s identity, our enrollment engine provides a personalized touch point for clients, enhancing trust and engagement. Through digital marketing campaigns and social media outreach, brokers can drive traffic to their branded enrollment link, reaching new customers and growing their business.
Supplemental Health and Major Medical (PDF)
Through pricing examples, see how supplemental health insurance works with major medical insurance.
Individual Supplemental Health Overview (PDF)
Get a full overview of Arch Insurance’s Individual Supplemental Health Insurance offerings.
Accident Medical Expense vs Scheduled Indemnity (PDF)
Using case studies, you can explore how accident medical insurance differs from scheduled indemnity plans.
Get A Quote
Get a quote from Arch Insurance’s Accident and Health division for coverage relating to accident, disability and travel insurance products.