Sun Life Financial, US

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Employee-paid hospital confinement indemnity “Gap”

Gap insurance is designed to provide benefits that supplement existing major medical or comprehensive health insurance plans. The additional benefits can help cover out-of-pocket expenses related to coinsurance, copays and deductibles for inpatient and outpatient services.

A benefit that is easy to offer.

  • 100% employee-paid
  • Policies issued with a minimum of only 5* enrolled employees
  • No health questions for timely applicants
  • No exclusions for pre-existing conditions
  • Full enrollment support available
  • Flexible enrollment options
  • Benefits can be paid directly to the employee, or assigned to their provider, if they prefer

For a full description of the Gap policy limitations and exclusions, please view the brochure ( CA, CO, IN, NM(brochure not avilable), OR, all other states). This coverage is not available in all states.

Note: This Hospital Confinement Indemnity "Gap" insurance policy provides limited benefits. This limited policy has some specific benefit limits and is not a medical insurance policy, a Medicare Supplement policy, or a high deductible health plan. Please refer to the issued insurance policy for complete details and all benefit requirements. Group Hospital Confinement Indemnity "Gap" insurance is underwritten by Fidelity Security Life Insurance Company (Kansas City, MO) under Group Master Policy MG-111; Policy Form No. M-9054, and is administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). Claims paid by Fidelity Security Life Insurance Company.

*Some states require higher minimums.