Supplemental Medical Plans
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 | |
---|---|---|---|
What it does |
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. |
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. |
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. |
Enrollment |
Enroll during Annual Enrollment |
||
Payment |
You pay the full cost of coverage through after-tax premiums |
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Coverage |
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. To see your costs and enroll, visit the Chubb Benefits Portal |
Two options:
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! To see your costs and enroll, visit the Chubb Benefits Portal |
Two Options: Standard:
Enhanced:
Rehabilitation Confinement Benefit—pays you the same Standard or Enhanced confinement benefit when you are admitted to a rehabilitation facility. To see your costs and enroll, visit the Chubb Benefits Portal |
Accident premium rates
Coverage tiers |
weekly |
---|---|
Employee Only |
$2.54 |
Employee + Spouse/Partner |
$5.70 |
Employee + Child(ren) |
$6.53 |
Employee + Family |
$9.69 |
Critical illness premium rates
Age |
Employee |
Employee + Spouse/Partner |
Employee + Child(ren) |
Employee + Family |
---|---|---|---|---|
18-25 |
$3.19 |
$4.23 |
$3.19 |
$4.23 |
26-30 |
$3.45 |
$4.63 |
$3.45 |
$4.63 |
31-35 |
$4.25 |
$5.83 |
$4.25 |
$5.83 |
36-40 |
$5.72 |
$8.04 |
$5.72 |
$8.04 |
41-45 |
$7.28 |
$10.37 |
$7.28 |
$10.37 |
46-50 |
$9.94 |
$14.37 |
$9.94 |
$14.37 |
51-55 |
$12.49 |
$18.18 |
$12.49 |
$18.18 |
56-60 |
$17.12 |
$25.14 |
$17.12 |
$25.14 |
61-65 |
$23.15 |
$34.17 |
$23.15 |
$34.17 |
66-70 |
$29.31 |
$43.41 |
$29.31 |
$43.41 |
71 |
$37.50 |
$83.68 |
$37.50 |
$55.70 |
Age |
Employee |
Employee + Spouse/Partner |
Employee + Child(ren) |
Employee + Family |
---|---|---|---|---|
18-25 |
$5.59 |
$7.68 |
$5.59 |
$7.68 |
26-30 |
$6.11 |
$8.47 |
$6.11 |
$8.47 |
31-35 |
$7.72 |
$10.87 |
$7.72 |
$10.87 |
36-40 |
$10.66 |
$15.29 |
$10.66 |
$15.29 |
41-45 |
$13.76 |
$19.94 |
$13.76 |
$19.94 |
46-50 |
$19.10 |
$27.94 |
$19.10 |
$27.94 |
51-55 |
$24.19 |
$35.58 |
$24.19 |
$35.58 |
56-60 |
$33.45 |
$49.48 |
$33.45 |
$49.48 |
61-65 |
$45.51 |
$67.56 |
$45.51 |
$67.56 |
66-70 |
$57.82 |
$86.03 |
$57.82 |
$86.03 |
71 |
$74.21 |
$110.61 |
$74.21 |
$110.61 |
Smoker weekly rates
Age |
Employee |
Employee + Spouse/Partner |
Employee + Child(ren) |
Employee + Family |
---|---|---|---|---|
18-25 |
$4.60 |
$6.15 |
$4.60 |
$6.15 |
26-30 |
$5.08 |
$6.88 |
$5.08 |
$6.88 |
31-35 |
$6.53 |
$9.05 |
$6.53 |
$9.05 |
36-40 |
$9.19 |
$13.05 |
$9.19 |
$13.05 |
41-45 |
$12.11 |
$17.42 |
$12.11 |
$17.42 |
46-50 |
$17.11 |
$24.92 |
$17.11 |
$24.92 |
51-55 |
$22.15 |
$32.48 |
$22.15 |
$32.48 |
56-60 |
$30.62 |
$45.18 |
$30.62 |
$45.18 |
61-65 |
$41.75 |
$61.88 |
$41.75 |
$61.88 |
66-70 |
$54.23 |
$80.61 |
$54.23 |
$80.61 |
71 |
$70.71 |
$105.32 |
$70.71 |
$105.32 |
Age |
Employee |
Employee + Spouse/Partner |
Employee + Child(ren) |
Employee + Family |
---|---|---|---|---|
18-25 |
$8.01 |
$11.12 |
$8.01 |
$11.12 |
26-30 |
$8.99 |
$12.59 |
$8.99 |
$12.59 |
31-35 |
$11.88 |
$16.92 |
$11.88 |
$16.92 |
36-40 |
$17.20 |
$24.91 |
$17.20 |
$24.91 |
41-45 |
$23.04 |
$33.65 |
$23.04 |
$33.65 |
46-50 |
$33.03 |
$48.65 |
$33.03 |
$48.65 |
51-55 |
$43.12 |
$63.78 |
$43.12 |
$63.78 |
56-60 |
$60.05 |
$89.18 |
$60.05 |
$89.18 |
61-65 |
$82.31 |
$122.57 |
$82.31 |
$122.57 |
66-70 |
$107.28 |
$160.03 |
$107.28 |
$160.03 |
71 |
$140.23 |
$209.45 |
$140.23 |
$209.45 |
Critical Illness rates are based on the age when the policy is first issued, not your current age. It does not change as you age.
Hospital indemnity premium rates
Coverage tiers |
weekly standard rates |
weekly enhanced rates |
---|---|---|
Employee Only |
$1.43 |
$2.28 |
Employee + Spouse/Partner |
$3.14 |
$5.14 |
Employee + Child(ren) |
$3.28 |
$5.43 |
Employee + Family |
$4.57 |
$7.43 |
Learn More
For more plan information, visit the Chubb Benefits Portal, click on the “Library,” and find “Supplemental Medical Plans,” under “Other Benefits.”