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 ( NJ, CA, IN, all other states). This coverage is not available in all states.

*Some states require higher minimums.