How Gap Medical Insurance Fills Coverage Gaps
ArticleNovember 6, 2025
Today’s benefits landscape is changing fast. Rising healthcare costs and the growing popularity of high-deductible health plans (HDHPs) have left many employees more financially exposed than ever. In fact, 60% of Americans say they could not cover an unexpected $1,000 expense.1 For many, one unplanned medical bill can become a significant setback.
This is where Gap Medical Insurance can make a difference. Zurich American Insurance Company’s (Zurich’s) Gap Medical coverage helps employees manage the costs that traditional health plans leave behind, giving your clients a stronger, more competitive benefits offering.
What Gap Medical Insurance Does
Gap Medical Insurance is a form of supplemental coverage that helps pay out-of-pocket medical expenses not paid by primary health insurance. This includes:
- Deductibles
- Copays
- Co-insurance
- Other unexpected expenses
By offsetting these expenses, employees have added financial support and can focus on recovery rather than worrying about bills.
Why It Matters for Your Clients
As employers continue to balance cost control with employee satisfaction, supplemental benefits have become an increasingly valuable tool. Plans such as Gap Medical, Accident, Critical Illness, and Hospital Indemnity Insurance help bridge the financial gap for employees while improving retention and morale.
A recent study found that 79% of adults say having insurance to help protect themselves and their families financially is very important. 2 Offering supplemental benefits gives your clients an opportunity to deliver added financial protection without raising core health plan costs.
Why Brokers Choose Zurich
Zurich makes it easier for brokers to deliver real value to their clients. Our Gap Medical Insurance and Voluntary Benefits programs are designed with both flexibility and simplicity in mind, so you can tailor solutions to fit any employer’s needs.
Brokers work with Zurich for:
- Customizable plan designs that align with client goals and budgets
- Guaranteed issue coverage with no medical underwriting required
- Direct payment options to medical providers for Gap Medical, or direct reimbursement for Voluntary Benefits—providing added convenience
- A+ rated financial strength and the stability of a leading carrier serving more than 75 million customers worldwide and 90% of Fortune 500 companies in the U.S.3
With Zurich, you can offer your clients straightforward coverage that complements existing plans, strengthens their overall benefits package, and helps employees manage real-world costs.
In a competitive market, your clients expect more than standard coverage. They want flexible options, trusted support and solutions that can help them protect both their people and their bottom line.
Zurich provides brokers with:
- Expert guidance from a team that understands the supplemental benefits market
- Clear communication tools to help you explain and position coverage options
- Opportunities for white-label and custom program development
With Zurich by your side, you can grow your business and provide clients with coverage that fills the gaps when it matters most.
Learn More, visit Zurich Accident & Health.
Resources
1 Zurich Statista Study 2023
2 LIMRA and Life Happens, 2023 Insurance Barometer Study
3 Rating as of October 31, 2025. A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at www.ambest.com. The rating represents the overall financial status of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.