Crum & Forster’s (C&F) Accident & Health Division has launched C&F Employer Medical Gap Insurance, a supplemental health product designed to help employers manage rising healthcare costs and reduce employees’ out-of-pocket expenses. The solution works alongside major medical plans, complementing high-deductible health plans and offering optional riders for services such as doctor’s visits, prescription drugs and ambulance transport. Employers can tailor benefit, coinsurance and deductible amounts to suit their plan design, with coverage available for groups as small as 10 employees. Tanya Arrowsmith, senior vice president of C&F’s Accident & Health Division’s medical business unit, says: “C&F Employer Medical Gap Insurance is designed to bridge the gap between what major medical plans cover and what employees are responsible for paying — making it easier for employers to offer competitive benefits and for employees to access the care they need without excess financial strain.” The claims process allows employees to present both their major medical and gap insurance cards at the point of care, with participating providers managing claims directly. No employee claim forms are required, and reimbursement is handled without delay. Arrowsmith adds: “With C&F’s deep expertise and commitment to service, we are proud to offer a solution that delivers value to employers, employees and our distribution partners alike.” Underwritten by Monitor Life Insurance Company of New York, the product is available in multiple states and can be customised for a wide range of employer groups.
