Accident & Health Insurance

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Supplemental Health Insurance

Unexpected out of pocket medical expenses may be mitigated with supplemental health insurance from Arch Insurance.

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Arch Accident & Health makes it easy to offer 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.

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.

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Available Coverage

Accident Medical Expense Reimbursement is available as a stand-alone product, or we offer plans that include Critical Illness and Hospital Indemnity benefits as well. 

The benefit payable for Accident Medical Expenses is designed to supplement the Insured’s major medical plan. As such, it’s payable on an excess* basis after any insurance available to the Covered Person for the same Covered Loss.

Covered medical expenses include treatment, service or supply that is:

    1. Required to treat an Accidental Bodily Injury; and
    2. Prescribed or ordered by a Physician or furnished by a hospital including but not limited to:
      1. Medical care and treatment by a Physician;
      2. Hospital room and board and Hospital care, both inpatient and outpatient;
      3. Drugs and medicines required and prescribed by a Physician;
      4. Diagnostic tests and x-rays prescribed by a Physician;
      5. Transportation of a Covered Person in an emergency transportation vehicle from the location where such Covered Person becomes injured to the nearest Hospital where appropriate medical treatment can be obtained;
      6. Dental care and treatment due to Accidental Bodily Injury;
      7. Physical therapy, including diathermy, ultrasonic, whirlpool or heat treatment, adjustment, manipulation, massage and the office visit associated with such therapy;
      8. Treatment performed by a licensed medical professional when prescribed by a Physician, if hospitalization would have been otherwise required;
      9. Rental of durable medical equipment;
      10. Artificial limbs and other prosthetic devices; and
      11. Orthopedic appliances or braces.

*May vary by state.

As part of an individual supplemental health plan, critical illness insurance is designed to help individuals and families cover some of their unplanned expenses resulting from unexpected illnesses or medical conditions. Insureds are free to use the benefit payments however they wish. It provides a one-time cash benefit when the receive a diagnosis of a covered illness helping policyholders focus on their recovery.

Arch’s critical illness coverage may help with the following illnesses:

    • Cancer
    • Heart Attack
    • Stroke
    • Kidney Failure
    • Major Organ Transplant
    • Multiple Sclerosis
    • Coronary Artery Bypass Surgery
    • Alzheimer’s Disease
    • Lou Gehrig’s Disease
    • Ruptured Aneurysms
Hospital Indemnity, or Hospital Cash, insurance is just that: Cash benefit payments are paid directly to the policyholder when hospitalized due to an accident or sickness. Unlike Critical Illness insurance, which offers a one-time lump-sum payment upon diagnosis of specific severe illnesses, Hospital Cash pays a daily amount benefit for each day the insured individual is hospitalized, up to a maximum number of days. An additional daily benefit amount equal to the hospital indemnity benefit amount is paid if hospitalized in an Intensive Care Unit, up to a maximum number of days.

The daily cash benefit can be used by the policyholder for a variety of needs It can help cover:

    • Medical expenses
    • Lost income
    • Transportation costs
    • Childcare
    • Ambulance services
    • Other incidental expenses that may arise during hospitalization.

Arch Insurance offers Accidental Death and Severe Injury (commonly known as Accidental Death and Dismemberment, or AD&D) coverage for organizations looking to help care for their employees and their beneficiaries.

This type of coverage can be provided for employees during working hours or 24/7, and can cover a range of injuries, including:

    • Death and dismemberment
    • Paralysis, including quadriplegia, hemiplegia, paraplegia, and uniplegia.
    • Loss of speech, sight, or hearing
    • Loss of hand or foot
    • Loss of thumb and index finger
    • Coma

When a tragic event occurs, there are additional coverages that may also be helpful. Arch Insurance can work with you to develop a plan that may include specialty benefits, such as:

    • Continuation of insurance expense pays for COBRA coverage up to a certain amount in the event an employee suffers an accidental loss of life.
    • Childcare benefit, which pays in the event of accidental loss of life.
      Education benefit, which is an additional benefit for dependents if there is accidental loss of life.
    • Bereavement and trauma counseling for dependents.
    • Therapy and retraining for the employee and dependents.
    • Spouse retraining, to re-enter the workforce after a spouse suffers an accidental loss of life.
    • Home alterations and vehicle modifications, which pays to modify home or vehicle to make it more accessible.

Insurance Plans & Benefits

PlansBenefits
Accidental Death Accidental Death: $50,000-$300,000 in $50k increments
Accidental Death & Severe InjuryAccidental 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 IllnessExcess* 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 IndemnityExcess* 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 IndemnityExcess* 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.

BrokerCommunity | Supplemental Health Insurance from Arch

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.