Supplemental Medical Plans

Costs can add up if you or a family member has a serious accident, illness or hospital stay. Supplemental medical plans work with your primary medical plan to provide cash payments to you when you need it most. How you spend the money is up to you.

There are three different types of supplemental medical insurance available, all underwritten by Chubb.
If you’re eligible, you can enroll in any or all of these plans during Annual Enrollment. Evidence of Insurability (EOI) is not required.
You pay the full cost of this coverage through after-tax premiums.
Your benefits are paid directly to you, unless you assign your benefit to someone else.
If you leave Chubb, you can take this coverage with you.

Accident	Critical Illness	Hospital Indemnity
Helps protect you from unexpected financial stress if you or a covered family member has an accident. It supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries. Coverage includes: Accidental death Emergency room treatment Dislocation or fracture Initial hospital confinement Intensive care Ambulance Medical expenses Outpatient physician’s treatment The actual benefit amounts depend on the type of injuries you have and the medical services you need. Wellness Benefit—pays you $100 per family member per year after you go for one of more than 30 covered health screenings, including Chubb's Biometric Screening.	Protects you from the financial impact of covered illnesses, including heart attack, cancer and stroke. You receive a lump-sum cash payment to cover out-of-pocket expenses for anything you need. Two options: $15,000 lump sum $30,000 lump sum If you choose to cover your dependents, the covered spouse/partner and covered children benefit amount is 50% of your benefit amount. Illnesses must be diagnosed after your coverage takes effect for benefits to be paid. Wellness Benefit—pays you $50 per family member per year after you go for one of more than 30 covered health screenings, including Chubb's Biometric Screening.	Pays cash from day one if you are admitted to a hospital for a covered illness or injury. It will continue to pay a daily lump-sum benefit for each day you remain in the hospital. Two Options: *Standard:* $500 hospital admission benefit $100 daily hospital confinement benefit (up to a maximum of ten days per plan year) $200 daily ICU benefit (up to a maximum of 10 days per plan year) *Enhanced:* $1,000 hospital admission benefit $250 daily hospital confinement benefit (up to a maximum of ten days per plan year) $500 daily ICU benefit (up to a maximum of 10 days per plan year) Rehabilitation Confinement Benefit—pays you the same Standard or Enhanced confinement benefit when you are admitted to a rehabilitation facility.

Accident

Critical Illness

Hospital Indemnity

Helps protect you from unexpected financial stress if you or a covered family member has an accident. It supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries.

Coverage includes:

Accidental death
Emergency room treatment
Dislocation or fracture
Initial hospital confinement
Intensive care
Ambulance
Medical expenses
Outpatient physician’s treatment

The actual benefit amounts depend on the type of injuries you have and the medical services you need.

Wellness Benefit—pays you $100 per family member per year after you go for one of more than 30 covered health screenings, including Chubb's Biometric Screening.

Protects you from the financial impact of covered illnesses, including heart attack, cancer and stroke. You receive a lump-sum cash payment to cover out-of-pocket expenses for anything you need.

Two options:

$15,000 lump sum
$30,000 lump sum

If you choose to cover your dependents, the covered spouse/partner and covered children benefit amount is 50% of your benefit amount. Illnesses must be diagnosed after your coverage takes effect for benefits to be paid.

Wellness Benefit—pays you $50 per family member per year after you go for one of more than 30 covered health screenings, including Chubb's Biometric Screening.

Pays cash from day one if you are admitted to a hospital for a covered illness or injury. It will continue to pay a daily lump-sum benefit for each day you remain in the hospital.

Two Options:

Standard:

$500 hospital admission benefit
$100 daily hospital confinement benefit (up to a maximum of ten days per plan year)
$200 daily ICU benefit (up to a maximum of 10 days per plan year)

Enhanced:

$1,000 hospital admission benefit
$250 daily hospital confinement benefit (up to a maximum of ten days per plan year)
$500 daily ICU benefit (up to a maximum of 10 days per plan year)

Rehabilitation Confinement Benefit—pays you the same Standard or Enhanced confinement benefit when you are admitted to a rehabilitation facility.

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