Critical illness insurance
Critical illness insurance pays a lump sum of up to $40,000 for covered diagnoses like cancer, heart attack, stroke and more.
Hospital indemnity insurance
Hospital indemnity insurance pays benefits for covered inpatient hospital/ICU stays and pays Extended Hospitalization benefits for continuous hospital/ICU confinements of 10 days or more
The content on this page is not approved for use in AZ, GA, OR, NM, WA and WY.
1 Hamel, Liz; Munana, Cailey and Brodie, Mollyann. “Kaiser Family Foundation/LA Times Survey Of Adults With Employer-Sponsored Insurance.” Kaiser Family Foundation. May 2, 2019. Last accessed 7/13/2020.
2 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.
These coverages do not constitute comprehensive health insurance (often referred to as “major medical coverage”) and do not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.
The Supplemental Health Insurance plans described above are limited benefit policies. They do NOT provide basic hospital, basic medical, or major medical insurance. The certificates may have exclusions, limitations, and benefit waiting periods for certain conditions, all of which may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificates. For more information, please refer to the certificate. The policies, certificates and riders, if applicable, may not be available in all states and may vary based on state laws and regulations.
In New York, to be eligible for Specified Disease coverage, the Insured must also be covered under major medical, or at least basic hospital and basic medical insurance. The expected benefit ratio for the Specified Disease policy is 70%. The expected benefit ratio for the accident policy is 65%. This ratio is the portion of future premiums which the Company expects to return as benefits, when averaged over all people with the policy.
Group Supplemental Health Insurance products are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) (SLOC)) in all states, except New York, under Policy Form Series 12-GP-01, 15-GP-01, 12-AC-C-01, 16-AC-C-01, 15-GP-01, 13-SD-C-01, 16-SD-C-01, 16-CAN-C-01, 20-HI-C-01. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 12-GP-01, 15-GP-01, 15-SD-GP-01, 12-GP-SD-01, 13-SD-C-01, 12-AC-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations. All products, brands, and names are the property of their respective owners.
SLPC 30746 03/21 (exp. 03/23)