Supplemental health

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Help employees fill gaps in medical coverage and connect the dots to your medical plan

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Employees want solutions that align to their medical plan and fill gaps in financial protection. Employees can use Sun Life Supplemental Health benefits to help pay out-of-pocket medical deductibles and coinsurance if they have a covered accident or illness. And, Sun Life makes employee engagement and enrollment easy for you.

Accident insurance

Accident insurance pays fixed benefits for fractures, x-rays, crutches, emergency room visits and follow-up physician office appointments, and other treatments and services.

Read an example

Standard plan brochure

Top accident claims and their benefit amounts

Cancer insurance

Cancer insurance pays fixed benefits for certain cancer diagnoses, screenings, hospital confinement, radiation/chemotherapy, surgery, and hospice care.

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Read about our Stop-Loss Cancer rider

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.

Read an example

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

Read an example

Wellness and Cancer Screening benefits

Wellness and Cancer Screening benefits Encourage preventive health screenings and immunizations. The above coverages pay an annual wellness benefit, available in most states.

Here are some examples:

Get help educating employees about benefits

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File claims online

Sun Life makes it easy to file claims!

Members can submit their claims online for:

  • Accident
  • Cancer
  • Critical Illness
  • Hospitality Indemnity, and
  • Wellness and Cancer screenings
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Expand access to the value of financial protection

Stitch by Sun Life makes it simpler than ever for employers to offer comprehensive supplemental health benefits without any extra administration.

Stitch is currently available in Arizona, Georgia, Wisconsin, and Massachusetts with plans to expand into other markets in the future.  

Learn more about Stitch

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The content on this page is not approved for use in AZ.


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 Hospital Indemnity insurance or 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, 20-HI-C-01, 12-GPPort-P-01, 20-HIPORT-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 08/22 (exp. 08/24)