Hospital Confinement Indemnity “Gap” insurance

SLPC 28129 2/17 (Exp. 2/19)

Help for the in-between time

Sun Life partners with Fidelity Security Life Insurance Company to offer Gap insurance designed to provide benefits that supplement existing major medical or comprehensive health insurance plans. The additional benefits can help cover out-of-pocket expenses related to coinsurance, copays and deductibles for inpatient and outpatient services.

A benefit that is easy to offer

  • 100% employee-paid
  • Policies issued with a minimum of only 5 enrolled employees*
  • No health questions for timely applicants
  • No exclusions for pre-existing conditions
  • Full enrollment support available
  • Flexible enrollment options
  • Benefits can be paid directly to the employee, or assigned to their provider, if they prefer

*may vary by state

This Hospital Confinement Indemnity “Gap” insurance policy provides limited benefits. This limited policy has some specific benefit limits and is not a medical insurance policy, a Medicare Supplement policy, or a high deductible health plan. Please refer to the issued insurance policy for complete details and all benefit requirements. Group Hospital Confinement Indemnity “Gap” insurance or Supplemental Medical Expense “Gap” insurance is underwritten by Fidelity Security Life Insurance Company (Kansas City, MO) under Group Master Policy MG-111, MG-122; Policy Form No. M-9054, M-9111, and is administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). Claims paid by Fidelity Security Life Insurance Company.

This plan is subject to federal COBRA requirements. This plan covers only those charges related to treatment rendered for injury or sickness delivered in an inpatient or outpatient setting. Physician’s charges are not covered in outpatient services, except for those provided in an Emergency Room. Wellness benefits are not covered under this plan.

If you currently have a health spending arrangement such as a Health Savings Account (HSA), or if you plan to open one in the future, please consult your tax advisor about the features offered in this supplemental medical policy, and the possible tax implications of combining these plans.

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