Supplemental Health Insurance Coverage

Unexpected out-of-pocket medical expenses may be mitigated with supplemental health insurance from Arch Insurance.

Supplemental Health Coverage

Today’s major medical plans can provide great protection against devastating events, but there may be gaps in coverage that could result in out of pocket expenses. Supplemental health insurance coverage is designed to help with unexpected out of pocket medical expenses.

Accident Medical Insurance

A complement to major medical insurance, Arch’s accident medical provides coverage if an insured is hurt or injured as a result of an accident.

Hospital Indemnity Insurance

This coverage pays a cash benefit that may be used to cover medical or everyday expenses based on the number of days an insured or family member is in the hospital.

Critical Illness

Available on individual plans, critical illness insurance may pay a lump sum cash benefit that can be used to cover medical expenses or every day expenses. Not available on group plans. Typical illnesses covered include Cancer, Heart Attack, Stroke, Major Organ Transplant, Alzheimer’s Disease, and more.

Group and Individual Plans Available

Arch’s Supplemental Health plans are available for either group coverage or individual coverage. For group coverage, our underwriting team will work with brokers and employers to understand their unique requirements. Individual plans have been created based on our years of experience in providing coverage to reduce out-of-pocket expenses in the face of a personal medical or healthcare crisis.

Benefit Options

Depending on the plan design, benefits may include the following:

  • Accidental Loss of Life
  • Accident Medical Expenses
  • Advanced Diagnostic Test Indemnity Benefit
  • Air and/or Ground Ambulance Indemnity Benefit
  • Critical Illness
  • Diagnostic X-Ray and Laboratory Indemnity Benefit
  • Emergency Medical Care Indemnity Benefit
  • Fractures Indemnity Benefit
  • Intensive Care Unit Indemnity Benefit
  • Physician Office Visit Indemnity Benefit
  • Accidental Severe Injury (loss of limb, loss of sight, paralysis, etc.)
Stethoscope laying on medical records
Covered Events

An insured may be covered 24/7/365 or they may only need coverage during certain instances, such as for passenger vehicle accidents, or while riding in a public passenger carrier.

The type of coverage needed may depend on the type and size of business. The coverage needed for GIG Workers and Independent Contractors may be different than the coverage needed for medium sized and large businesses. Our team has years of experience and can help guide brokers and businesses in finding suitable coverage.

Contact Us

For more information, contact one of our team members below or complete our contact us form.

Jim Villa, Senior Vice President, Strategy and Distribution, A&H
Jim Villa
Senior Vice President,
Strategy and Distribution, A&H
+1 908 285 5336
Rebecca Raisley, Vice President, Strategy and Distribution, Accident & Health
Rebecca Raisley
Vice President,
Strategy and Distribution, A&H
+1 484 645 4840