Voluntary Group Insurance Benefits
Help protect employees by offering these voluntary insurance benefits that provide supplemental coverage for accidents and hospital stays, as well as travel insurance for employees and their families.
Voluntary Group Insurance Coverage
A well-rounded employee benefits program goes beyond major medical and retirement planning. It includes voluntary programs that allow employees to customize their benefits to meet their own needs.
Arch Insurance offers voluntary group insurance benefits that may enhance your current benefits program, including Accident Medical Expense (AME) Reimbursement, Hospital Cash Indemnity, and Annual Travel Insurance. As a bonus, the medical coverages require no medical underwriting for the policy to be issued.
Accident Medical Expense Reimbursement
This AME plan may cover the true cost of incurred accident medical expenses, rather than paying a fixed amount based on a schedule of benefits. This coverage may be a great addition to an employer’s major medical plan to provide supplemental insurance to fill gaps caused by co-pays, deductibles, or other coverage restrictions. Learn more.
Hospital Cash Indemnity Insurance
Hospital Cash Indemnity pays directly to the insured when they are hospitalized due to an accident or sickness. The benefit amount is paid as a daily benefit for each day of hospitalization, and an additional daily benefit amount is available if the insured is hospitalized in an ICU (up to plan limits). Learn more.
Annual, Multi-Trip Travel Insurance
This plan provides travel insurance for multiple trips per year. Benefits include coverage for trip cancellation, emergency medical evacuation, accident medical costs, and even death. Travelers buy this coverage once a year and have protection for an unlimited number of trips, up to 30 days in length each. Learn more.
Accident Medical Expense Reimbursement
Accident medical expense reimbursement insurance is designed to help relieve financial strain of medical expenses not covered by major medical that may arise from accidents, including emergency room visits, hospital stays, surgeries, doctor’s appointments, ambulance services, and other related medical treatments. This plan also includes options for Accidental Death & Dismemberment (AD&D) coverage.
How is Arch Insurance’s AME Reimbursement policy different from “Fixed Scheduled Accident Indemnity” plans that are often advertised by other carriers?
Many of the other “Accident Insurance Plans” advertised in the market are actually a product called “Fixed Scheduled Accident Indemnity Insurance.” Instead of reimbursing an insured for actual expenses incurred, they pay a predetermined flat amount based on a specific injury category or service provided, which may or may not necessarily match the actual amount of medical expenses incurred for that injury.
With an Accident Medical Expense Reimbursement plan offered by Arch Insurance, you may rest easy knowing that your clients’ employees may be reimbursed for the actual out-of-pocket medical expenses incurred due to an accidental injury when the n the typical “Fixed Scheduled Accident Indemnity Plan” offered by other carriers. View a full detailed comparison.
| AME Excess Policy Limits | AD&D Policy Limits |
|---|---|
| $2,500 | $2,500 |
| $5,000 | $5,000 |
| $7,500 | $7,500 |
| $10,000 | $10,000 |
| Deductibles may be set at either $100; $250; or $500. | |
Hospital Cash Indemnity
Hospital Cash Indemnity insurance is just that: Cash benefit payments are paid directly to the insured when hospitalized due to an accident or sickness. Hospital Cash Indemnity pays a daily amount benefit for each day the insured individual is hospitalized. An additional daily benefit equal to the primary benefit amount is paid if hospitalized in an Intensive Care Unit. The cash benefit can be used for a variety of needs as the policyholder so desires, not just medical bills. It can help cover lost income, transportation costs, childcare, and other incidental expenses that may arise during hospitalization.
| Daily Benefit | Additional ICU Daily Benefit | AD&D Policy Limits |
|---|---|---|
| $100 / day | $100 / day | $1,000 |
| $250 / day | $250 / day | $2,500 |
| $500 / day | $500 / day | $5,000 |
| The benefit period limit may be either 10 days or 30 days. | ||
Annual Travel Insurance
For frequent travelers, annual travel insurance is a great way to help protect trip costs, while offering protection for risks they may face while on a trip. Enrolling in annual travel insurance can provide coverages for emergency medical evacuations, canceled or interrupted trips due to covered reasons, medical coverage for accidents or sicknesses that may occur while traveling, missed connections, lost or delayed luggage and more. Employees can enroll once per year and have coverage for the entire year, up to the designated limits.
Benefit1 | Option 1 | Option 2 |
|---|---|---|
| AD&D | $10,000 | $25,000 |
| Emergency Evacuation | $250,000 | $500,000 |
| Repatriation of Remains | $250,000 | $500,000 |
| Political and Security Evacuation | $100,000 | $100,000 |
| Out-of-Country Emergency Accident and Sickness Medical | $25,000 | $50,000 |
| Trip Cancellation | $2,500 | $5,000 |
| Trip Interruption | $2,500 | $5,000 |
| Trip Delay | $200/day, after a 12+ hour delay, maximum of 5 days | $300/day, after a 12+ hour delay, maximum of 5 days |
| Baggage Delay (outward journey only) | $300, after a 12+ hour delay, maximum of 3 days | $500, after a 12+ hour delay, maximum of 3 days |
| Baggage/Personal Effects | $1,000; $250/item | $1,000; $250/item |
Emergency Travel Assistance Services2 | Included | Included |
1Benefits are provided on an aggregate basis. The maximum limits are applied to the entire policy term of one year. 2Provided by designated assistance provider identified in your plan document. For coverage, these services, designed to support the named insurance benefits, must be arranged by designated travel assistance provider. |
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Enrolling Clients for Group Voluntary Insurance Benefits
At Arch Insurance, we leverage cutting-edge technology that empowers our distribution partners to seamlessly promote and sell our products. Our program has experienced integration with more than 20 enrollment platforms, including:
- ADP
- Alight
- Benefit Harbor
- BSwift
- Employee Navigator
- Ease
- OneKonnect
- Paycom
- Paylocity
We also accept standard 834 files or our established file layouts sent daily, weekly, bi-weekly, or monthly. API integration is also available if needed.
Contact Us to Request a Quote
Complete the form below and we will follow up to create a quote. Alternatively, you can email us at accidentandhealth@archinsurance.com.
Accident medical expense reimbursement insurance and in some states annual travel insurance benefits described herein are supplemental health insurance and are NOT a substitute for major medical or other comprehensive health insurance coverages. Insurance coverage described is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. The policy contains reductions, limitations, and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions. Please refer to your policy for detailed terms and conditions.
In some states, the following disclosures apply to the annual travel insurance plan. Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your plan for detailed terms, conditions and exclusions. Insurance coverages within the plans are underwritten by Arch Insurance Company, NAIC # 11150 under form series BA200 and amendments thereto. Plans are sold by licensed producers appointed by the underwriter, where applicable.
The underwriter may be reached at 1-844-872-4163. For Privacy Policy, visit https://www.archinsurancesolutions.com/priva¬cy-and-data-protection-policy.pdf
For Consumer Disclosures, visit: https://insurance.archgroup.com/travel-state-disclaimers/