How does Supplemental gap medical insurance work?

Benefits are paid directly to the medical service provider. Claim forms are not necessary in most cases when an assignment of benefits exists. Employers can choose a variety of coverage options, including varied inpatient and outpatient benefits. Deductibles can be added to the plan to manage premium costs. For employer-paid, voluntary, and dependent buy-up options, monthly premiums can be based on the employee’s attained age or a composite rating for the group can be provided. Coverage can be configured to be compatible with high-deductible health plans using health savings accounts.* *Some product configurations may not be compatible with high-deductible health plans involving a tax-advantaged health savings account (HSA).

Supplemental Gap Medical Insurance

Why choose Zurich for Supplemental gap medical insurance

The strength of Zurich’s Supplemental Gap Medical Insurance goes far beyond policy details. We offer a dedicated support team for coordination of plan development, marketing, administration onboarding, and program management. We provide you with a single point of contact, as well as administration that details processes, forms, and group/individual contact information. We’ll work with you to help simplify the administration of your program and we’re always ready to answer questions to help address your needs and those of your employees.

At Zurich, our customers' needs remain the heart of everything we do.

Build confidence in your benefits

A well-structured benefits program supports workforce stability and financial preparedness. As healthcare cost-sharing structures evolve, employees may face greater financial variability. Offering supplemental health solutions can be an effective component to demonstrate a commitment to their financial well-being. It shows you understand the pressures they face outside of the workplace.

By helping address gaps left by high-deductible health plans, you provide additional financial support within your overall benefits structure. This foresight helps build a culture of confidence and care, allowing your team to focus on a brighter future. Offering structured supplemental coverage supports a well-rounded benefits strategy. Zurich works with you to provide flexible options designed to strengthen your overall benefits strategy and help your business and your people prepare for what’s next.

Related insurance offerings

Resources

Supplemental Gap Medical Insurance Fact Sheet
Supplemental Gap Medical Insurance Brochure
Zurich Gap Insurance Agent Guide
Zurich Gap Insurance Highlights

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Supplemental gap medical insurance options

Our supplemental gap medical insurance plans are flexible and can be customized to meet the specific needs of each employer group. We have the capability to work within a wide range of benefits administration platforms, whether managed by a broker or vendor. Our Underwriters can customize group-priced benefit solutions for your organization.

See gap coverage in action

Understanding how insurance products function is key to appreciating their value. Supplemental Gap Medical Insurance is designed to be straightforward. It works alongside an employee’s primary high-deductible health plan to help manage out-of-pocket expenses.

Consider this common scenario: An employee has a covered hospital stay. Their primary health plan has a $5,000 deductible, meaning they are responsible for that amount before their main coverage begins paying. After the primary insurance pays its portion, subject to policy terms, the Gap Medical Insurance policy may provide a cash benefit to help address eligible deductible and out-of-pocket expenses. This additional layer of coverage can align with your overall benefits strategy.

FAQs

Supplemental Gap Medical Insurance helps individuals manage out-of-pocket medical expenses without relying on their savings. It is designed to help limit exposure to out-of-pocket medical expenses when the primary health insurance deductible has not been met.

Everybody is concerned about healthcare costs, and with high deductibles, co-pays, co-insurance and other out-of-pocket expenses, individuals can end up paying thousands of dollars even under a top-quality medical plan. Employees looking for help in managing these costs may find Gap Medical Insurance to be an attractive option — one that makes them feel good about their current or prospective employer.

Benefits are paid directly to the medical service provider. Claim forms are not necessary in most cases when an assignment of benefits exists.
Employers can choose a variety of coverage options, including varied inpatient and outpatient benefits. Deductibles can be added to the plan to manage premium costs.
For employer-paid, voluntary, and dependent buy-up options, monthly premiums can be based on the employee’s attained age or a composite rating for the group can be provided.
Coverage can be configured to be compatible with high-deductible health plans using health savings accounts.*

*Some product configurations may not be compatible with high-deductible health plans involving a tax-advantaged health savings account (HSA).