Supplemental Insurance

Even with a good insurance plan, there's a lot that major medical just doesn't cover. Don't leave yourself unprotected. We'll offer clear guidance, professional advice, and personalized support to help you find the plans that fit your situation and your budget.

Cancer Indemnity

A cancer indemnity plan, often referred to as a cancer insurance policy, is a type of supplemental insurance that provides financial assistance specifically for cancer-related expenses. This type of insurance offers a lump-sum cash benefit upon the diagnosis of cancer or when cancer-related treatments, surgeries, or hospitalizations occur. Policyholders can use this cash benefit to cover various costs associated with cancer, such as medical bills, co-pays, transportation to medical appointments, home care, and other out-of-pocket expenses. Cancer indemnity plans offer financial support and peace of mind to individuals and their families facing the financial strain of cancer treatment and recovery, helping to ease the financial burden during a challenging time.


According to the CDC and U.S. Cancer Statistics, “Cancer is the second leading cause of death in the United States, exceeded only by heart disease. One of every five deaths in the United States is due to cancer.”

Heart Attack / Stroke Policy

A heart attack indemnity plan is a type of insurance that provides a financial benefit in the event of a heart attack. This specialized insurance policy offers a lump-sum payment to the policyholder or their beneficiaries upon diagnosis of a heart attack or stroke. The funds can be used to cover medical expenses, co-pays, ongoing treatments, transportation costs, and other out-of-pocket expenses related to the heart attack recovery process. By offering financial support during a critical health event, a heart attack indemnity plan aims to ease the financial burden on individuals and their families, allowing them to focus on recovery without worrying about the associated costs.

Critical Illness Insurance

A critical illness policy is a type of insurance that provides a lump-sum cash benefit to the policyholder upon the diagnosis of a specified serious illness or medical condition. These policies typically cover a range of critical illnesses, such as cancer, heart disease, stroke, organ transplant, and more. The policyholder can use the lump-sum payout as they see fit, whether to cover medical expenses not covered by regular health insurance, pay off debts, replace lost income during recovery, or make necessary lifestyle adjustments.

Critical illness policies offer financial protection and peace of mind in the face of significant health challenges. They are designed to provide a financial safety net, ensuring that individuals and their families have the means to cope with the high costs and lifestyle changes that often accompany critical illnesses. These policies vary in terms of the illnesses covered, benefit amounts, and specific terms and conditions, so it's essential to carefully review the policy details and choose one that aligns with your health and financial needs.

Accident Insurance

An accident indemnity plan, often known as accident insurance or personal accident coverage, is an insurance policy designed to provide financial protection in the event of accidents. These policies typically offer a lump-sum cash benefit to the insured or their beneficiaries when the insured person experiences an accident resulting in injuries, hospitalization, or death.


Key features of accident indemnity plans include:

  • Coverage for Accidental Injuries: These plans specifically cover injuries resulting from accidents, which can include falls, fractures, burns, or other injuries caused by unexpected events.
  • Hospitalization Benefits: Many policies offer additional benefits if the insured requires hospitalization due to an accident, helping to offset medical costs, such as hospital stays, surgeries, or treatments.
  • Flexible Use of Funds: The cash benefit received from the policy can be used at the discretion of the insured or their beneficiaries. It can help cover medical bills, co-pays, transportation, or any other expenses related to the accident or recovery process.
  • No Health Screening: Accident indemnity plans often do not require a medical exam or health screening for enrollment, making them accessible to individuals regardless of their health status.
  • Affordable Premiums: Premiums for accident indemnity plans are typically lower than those for comprehensive health insurance, making them an affordable way to supplement existing coverage.
  • Overall, accident indemnity plans are designed to offer financial support and peace of mind in the face of unexpected accidents, helping individuals and their families manage the financial consequences associated with injuries, medical treatments, and recovery. It's essential to review the specific terms and conditions of the policy to understand the extent of coverage and any exclusions.

Hospitalization Plans

A hospitalization plan, often referred to as hospital indemnity insurance or hospital insurance, is a type of insurance policy that provides financial benefits when the insured person is hospitalized. Here's a summary of key features and benefits:


  • Coverage for Hospital Stays: Hospitalization plans offer coverage for expenses related to hospital admissions, including room and board, surgical procedures, diagnostic tests, and other medically necessary services.
  • Daily Cash Benefit: Instead of reimbursing specific medical bills, these plans provide a daily cash benefit for each day the insured spends in the hospital. The beneficiary (the insured or their family) receives this cash amount, which can be used to cover various hospital-related expenses or other needs.
  • Flexibility in Use: The cash benefit can be used at the discretion of the beneficiary, allowing them to address costs beyond medical bills, such as transportation, childcare, other daily expenses during the hospital stay, or other needs.
  • No Network Restrictions: Hospital indemnity plans often do not require the insured to use a specific network of healthcare providers or hospitals. This means you have flexibility in choosing where you receive care.
  • Supplement to Health Insurance: These plans are typically designed to complement existing health insurance coverage. They can fill gaps in coverage by providing additional financial support for hospitalization-related expenses not fully covered by primary health insurance.
  • No Deductibles or Copayments: Hospitalization plans usually do not have deductibles or copayments, making it easier for policyholders to access benefits when needed.
  • Affordable Premiums: Premiums for hospitalization plans are typically lower than comprehensive health insurance policies, making them an affordable option for individuals or families seeking extra financial protection during hospital stays.


In summary, a hospitalization plan is a supplemental insurance policy that provides financial assistance during hospital stays. It offers flexibility, cash benefits, and peace of mind by helping policyholders manage the costs associated with hospitalization, beyond what their primary health insurance covers. These plans can be especially valuable for individuals concerned about unexpected medical expenses and the financial impact of hospitalization.

Disability Insurance

Disability insurance is a type of insurance that provides financial protection to individuals in the event they become unable to work due to a disability or illness. It offers regular payments, known as disability benefits, to replace a portion of the insured person's lost income. Disability insurance is designed to help individuals and their families maintain financial stability by covering essential living expenses, such as housing, utilities, groceries, and medical bills, during a period of disability when they cannot earn their usual income. This insurance is crucial for protecting one's financial well-being in the face of unexpected health challenges that may prevent them from working. Disability insurance policies can vary in terms of coverage, waiting periods, and benefit durations, so it's essential to choose a policy that aligns with your specific needs and circumstances.