SUPPLEMENTAL
Cash to you, not to the hospital.
Accident, critical illness and hospital indemnity policies pay you directly when something specific happens. That is what makes them work alongside a high-deductible health plan — and what makes them useless as a replacement for one.
WHAT IT IS
Policies that pay a benefit, not a bill
Major medical insurance pays providers, after a deductible, for covered treatment. Supplemental policies work differently: when a defined event occurs — an accident, a cancer diagnosis, a night in hospital — the policy pays an agreed amount straight to you, regardless of what your health plan does.
You can spend it on anything. In practice people spend it on the deductible, the rent, the childcare and the fortnight of wages they lost, which are the costs that actually destabilise a household during an illness.
These are supplements, in the literal sense. They are not health insurance, they do not satisfy any coverage requirement, and they are a poor idea for anyone who does not already have major medical in place. We will not sell you one as a substitute.
Who it is for
Households with a high deductible, physical trades, and active families.
How it pays
A set benefit directly to you when a defined event occurs.
What it is not
Not health insurance, and not a replacement for major medical cover.
Pairs with
A high-deductible health plan, an HSA, or a Medicare Advantage plan with a meaningful out-of-pocket maximum.
Is this you?
- Your health plan has a deductible you could not comfortably absorb tomorrow.
- You or your children play sport, or you work with your hands.
- A fortnight off work unpaid would genuinely hurt.
- Someone in your family has had cancer and you have thought about it since.
- You have an Advantage plan and want to blunt the out-of-pocket maximum.
If any of these sound familiar, a 10-minute conversation will cost you nothing and probably answer more than you expect.
WHAT WE HELP WITH
What a final expense review covers
01
Accident cover
Benefits for emergency treatment, fractures, dislocations, stitches and follow-up — the things active families and physical trades actually claim on.
02
Critical illness
A lump sum on diagnosis of a listed condition such as heart attack, stroke or cancer, paid regardless of treatment cost.
03
Cancer plans
Benefits tied specifically to cancer diagnosis and treatment, including the travel and accommodation that treatment often requires.
04
Hospital indemnity
A daily or per-admission benefit, which is the most direct way to neutralise a large deductible.
05
Reading the triggers
Exactly what counts as a covered event, because these policies live or die on their definitions.
06
Whether you need any of it
Honestly assessed against your deductible, your savings and your job. Plenty of people do not.
Common questions
Is this health insurance?
No. It is a supplement that pays you a benefit when a defined event happens. You still need major medical cover.
How is the money paid?
Directly to you, usually by cheque or transfer after a claim. There is no restriction on how you spend it.
Can I have this with Medicare?
Yes. Hospital indemnity in particular is commonly used alongside a Medicare Advantage plan to soften the out-of-pocket maximum.
What about my pre-existing condition?
Most policies have an exclusion period for conditions you already have. We will tell you exactly what it is for the policy in front of you.
Who benefits most from this?
People with high deductibles and limited emergency savings, and people whose income stops when they cannot physically work.
Would you ever tell me not to buy it?
Regularly. If you have a low deductible and solid savings, we will say the honest thing and move on.
Let's start with teb minutes
No cost, no pressure, and nothing sold on the first call. We listen first.
No cost · No pressure · Phone or video, wherever you are