Why supplemental insurance is not major medical coverage

Different promises

Comprehensive medical insurance and fixed-benefit supplemental products have different purposes. A supplemental policy may pay a defined amount for a qualifying event rather than reimburse the whole medical bill.

Look closely at triggers

Benefit definitions, waiting periods, pre-existing-condition terms, recurrence rules and exclusions can determine whether a claim is eligible.

• Precisely defined covered events
• Payment schedule or reimbursement method
• Exclusions, benefit limits and waiting periods
• How it works alongside existing major medical coverage

Check policy language

The issuer's current policy and any approved endorsements control. A website guide is not a claim decision or guarantee of payment.