- On July 12, 2023
- accident, critical illness, hospital indemnity
Your Small Business clients are likely shopping and reviewing their benefits packages. The Hartford can provide benefits:
• At no additional cost to the employer
• On a guarantee issue basis
• With HSA compatible options
• With a very low participation requirement of only four (4) enrollees
Critical Illness insurance, Accident insurance, and Hospital Indemnity insurance plans are important lines of coverage that many employees may not be aware of. These lines of coverage can help with high medical deductibles or other out of pocket expenses at an affordable cost, while helping protect not only the employee but their family as well.
Accident Insurance › Download: QUICK REFERENCE GUIDE Accident Insurance
- High payouts for most frequently claimed services – ER, Hospital, Physician, etc.
- We pay multiple benefits – not greater of and not tied to expenses incurred; For example, we’ll pay both ER and urgent care for same accident (if both services are incurred), or x ray and diagnostic exam (if both services are incurred)
- Focus on recovery & follow up care – 30+ benefits available per accident for ongoing physician treatment, physical therapy, chiropractic care, etc.
Critical Illness Insurance › Download: QUICK REFERENCE GUIDE Critical Illness Insurance
- No “first ever” diagnosis language
- No treatment free requirement for recurrence
- No benefit waiting period
- Short separation periods between payouts
- Multiple payouts regardless of category
Hospital Indemnity Insurance › Download: QUICK REFERENCE GUIDE Hospital Indemnity Insurance
- HSA compatible options
- Benefits are per day and are not based on services, expenses incurred, etc.
- No specific limitations for pregnancy in standard designs
