supplemental insurance

Supplemental Benefits for Employer and Affinity Groups

Why choose Zurich for supplemental benefits insurance?

Broader coverages. Our offerings go beyond catastrophic AD&D (Accidental Death and Dismemberment). Coverage options span the spectrum, and family coverage is available.

Simplified administration. Organizations can select coverages that their employees or members will value, and Zurich can work within a wide range of benefits administration platforms.

Claims service. Customer care is essential with health-related benefits. Zurich’s Claims service earns industry-leading scores from our customers.3 We are there when it matters most.

Insurance solutions for Supplemental benefits 



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FAQs

Out-of-pocket medical expenses are rising,1 which is a serious concern for employees and consumers in general. Supplemental benefits insurance, which can be offered as an added benefit by employers or affinity groups (associations, financial institutions, membership clubs and other eligible organizations), is an added layer of insurance that can help pay for expenses that standard medical health insurance policies may not cover. Many benefits are paid directly to the insured person who experiences a covered event. The payment can be used as the employee or member chooses, such as for medical co-pays, household bills, extra expenses, or a trip to celebrate a recovery milestone. Supplemental benefits insurance can also include travel protection coverage, helping manage costs associated with unexpected travel disruptions, sickness or injury.

As co-pays, deductibles, premiums and other medical expenses rise, individuals are seeking avenues to help them manage those costs. Even those with comparatively strong health coverage through their employer may find themselves hit with unexpected and sometimes very expensive costs, such as out-of-network bills for physician services. Through supplemental benefits insurance, employers and affinity groups can help their workers and members meet this challenge.

For employers, offering supplemental benefits insurance plans can be a way to attract and retain talent in an increasingly tight labor market. Workers have been leaving jobs in historic numbers over the last couple of years and dissatisfaction with benefits has been cited as one major reason.2 For affinity groups, offering these kinds of benefits can be a real competitive advantage, showing existing and potential new members that they have their well-being in mind.
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1. Rosenthal, Meredith B. “The Growing Problem of Out-of-Pocket Costs and Affordability in Employer-Sponsored Insurance.” JAMA (Journal of the American Medical Association), Vol. 326, No. 4. 27 July 2021.
2. Parker, Kim, and Juliana Menasce Horowitz. “Majority of workers who quit a job in 2021 cite low pay, no opportunities for advancement, feeling disrespected.” Pew Research Center. 9 March 2022.
3. Based on Zurich North America Closed Claims Net Promoter Score of 85 for 2021. Top Quartile TNPS threshold for insurance industry: 57 (2021). Source: Medallia.