.png)
Serving Clients in North Carolina, South Carolina & Other Licensed States
.png)
.png)
SUPPLEMENTAL INSURANCE
Additional protection for expenses your primary health insurance may not fully cover
Even with health insurance, an unexpected illness, injury, or hospital stay can create additional financial expenses. Supplemental insurance can provide added financial protection by paying benefits for qualifying events according to the terms of the policy.
What Is Supplemental Insurance?
Supplemental insurance is designed to complement your primary health insurance rather than replace it.
Depending on the policy, supplemental coverage may provide benefits following certain covered illnesses, injuries, hospital stays, or other qualifying events. These benefits can help provide additional financial support when unexpected healthcare situations occur.
Coverage, benefit amounts, limitations, and exclusions vary by policy.
Supplemental Coverage Options
ACCIDENT INSURANCE
Designed to provide benefits for certain covered injuries and accident-related events, subject to the terms of the policy.
CRITICAL ILLNESS INSURANCE
Designed to provide benefits following the diagnosis of certain covered serious illnesses or medical conditions, subject to policy terms.
HOSPITAL INDEMNITY INSURANCE
Designed to provide benefits for qualifying hospital admissions or stays according to the terms of the policy.
Why Consider Supplemental Coverage?
Primary health insurance can provide important medical coverage, but unexpected healthcare events may still create additional financial responsibilities.
Supplemental coverage may provide an additional layer of financial protection for qualifying events.
-
Unexpected Accidents
-
Serious Illnesses
-
Hospital Admissions or Stays
-
Additional Financial Protection
-
Coverage Based on Individual Needs
​
The appropriate supplemental coverage depends on your existing insurance, personal needs, budget, and the benefits provided by the specific policy.
How Supplemental Insurance Works
1. CHOOSE YOUR COVERAGE
Select supplemental coverage based on your needs and the available policy options.
.png)
2. A COVERED EVENT OCCURS
If an event covered by the policy occurs, a claim may be submitted according to the policy requirements.
.png)
3. ELIGIBLE BENEFITS ARE PAID
Benefits are paid according to the specific terms, conditions, limitations, and benefit amounts of the policy
Is Supplemental Coverage Right for You?
Your existing health coverage, financial situation, household needs, and concerns about unexpected healthcare expenses can all play a role in determining whether supplemental coverage may be appropriate for you.
ASK Insurance Group can help explain available options so you can make an informed decision.
