Skip To Main Content

JavaScript has been disabled on this browser. For a seamless experience, please enable the option to run JavaScript on this device

Personal Accident & Health Insurance Plans: Direct Marketing

AIG Medical Indemnity

A simple, supplemental health insurance solution designed to complement traditional health insurance, and was built to pay quickly upon diagnosis of covered conditions.

Why Choose AIG Medical Indemnity?

AIG Medical Indemnity, offered through Accident & Health Corporate Markets, is a new supplemental health insurance product covering a wide range of conditions with a simplified claims process. Built-to-be-used, benefits are paid quickly and easily when covered medical conditions are diagnosed — and benefits can be used to help pay out of pocket monthly bills, medical costs and more.

The convenience of AIG Medical Indemnity is that the benefits are based solely on covered diagnostic conditions and are not contingent upon an accident or hospitalization in order to be payable. Our plan offerings help employees get financial protection for medical emergencies with this simple supplemental health product.

Quick Links

The AIG Advantage
Real World Problem Solving
Product Inquiries
National Leadership

The AIG Advantage

Competitive Employee Benefits Package

An important coverage to help retain and attract talent.

Flexible Plan Design

Various plan design options available for the employer.

Claims Capabilities

Seamless claims integration through our partner, Ansel.

One plan that covers 13,000+ conditions from lacerations and kidney stones to heart attack and cancer
Complements major medical plans or can be used as a standalone

Plan options based on employer needs: contributory, voluntary and 100% employer paid plans
An easy-to-use online portal offers a paperless employer plan administration process

Automated claims payments when coordinated with a major medical plan, no additional documentation is needed
Self-submitted claim process allows employees to file a covered claim via the app or portal and receive a benefit determination within 72 hours of a completed claim

Real-World Problem Solving

Challenge

^{An employer was looking for a new voluntary plan to help with the rising costs of healthcare. With both critical illness and accident options already in place, they sought a different product that would meet the needs of their younger employee population.}

Solution

_{The broker recommended AIG Medical Indemnity, spotlighting the plan’s wide-ranging coverage spanning 13,000+ conditions from cuts with stitches to cancer. The employer decided to place AIG Medical Indemnity alongside critical illness as two voluntary options during annual enrollment.}

AIG Benefit

_{The employer was able to complete their health benefit strategy with AIG Medical Indemnity and implement a competitive employee benefits package that met the needs of their employees. With over 13,000+ covered conditions across a wide spectrum, employees have more opportunities to file a claim to help with unexpected medical costs.}

Challenge

An employer offered traditional health insurance but did not have any supplemental health plans in place. The employer was looking for a voluntary product that would address employee concerns of unexpected health costs, while at the same time not overload their HR teams with an administrative burden.

Solution

Their broker was attracted to AIG Medical Indemnity, a simplified solution that provides a wide range of coverage to employees with easy plan administration that helps minimize any administrative hassles for the employer.

AIG Benefit

With AIG Medical Indemnity, the employer enjoyed 100% paperless implementation with support every step of the way, and was able to offer a supplemental health plan to their employees as quickly and simply as possible.

Challenge

An employer offered three plans to their employees— Critical Illness, Accident and Hospital Indemnity, but utilization of these plans was low. Employees were looking for greater value out of their supplemental health plan options with more coverage for a wider range of health events, as well as a simpler way to file claims and receive benefits.

Solution

Their broker proposed AIG Medical Indemnity, a supplemental health plan with a broader range of coverage and the ability to offer claims integration.

AIG Benefit

AIG Medical Indemnity offered the employer a simple claims experience for their employees: claims integration. Employee Medical claims data is transferred to the AIG Medical Indemnity app where eligible claims are adjudicated with no additional documentation required from the employee.

_{The scenarios summarized above are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy.}

Let's Talk AIG Medical Indemnity

Please tell us a bit about yourself and your group, and your A&H representative will be in touch within 1-2 business days.

New Customer

First Name

Last name

Email Address

Telephone Number

Company Name

State

Question/Comment

(Limit is 10,000 characters)

* Required Field

For further information on how AIG uses personal information and to access contact details if you have any questions, please see our full Privacy Policy for your country at: https://www.aig.com/globalprivacy.

Privacy Policy

Brokers: Meet Your AIG Team

View contact information for AIG’s national distribution team.

_{Coverage under the policy described does not constitute comprehensive health insurance coverage (a/k/a/ “major medical insurance”). It therefore does not satisfy the “minimum essential coverage” requirements of the Patient Protection and Affordable Care Act.}

_{THE POLICY PROVIDES LIMITED BENEFIT COVERAGE. THIS COVERAGE IS A SUPPLEMENT TO HEALTH INSURANCE. IT IS NOT A SUBSTITUTE FOR ESSENTIAL HEALTH BENEFITS COVERAGE AS DEFINED IN FEDERAL HEALTH LAW. IT IS NOT MEDICARE SUPPLEMENT INSURANCE. INSUREDS ELIGIBLE FOR MEDICARE SHOULD REVIEW THE GUIDE TO HEALTH INSURANCE FOR PEOPLE WITH MEDICARE AVAILABLE FROM NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA.}

_{This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage will be contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th Floor, New York, NY 10020. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states and product features may vary by state.}

_{Offered by Morefar Marketing, Inc.® (Morefar Insurance Agency in CA, under license number 0C91962 together with Morefar Marketing, Inc., "Morefar") national producer number: 654243, with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304 It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.}

_{Ansel Insurance Inc.}

_{Founded in 2019, Ansel Health Inc. (“Ansel”) is an insurance technology company on a mission to build a world where health hardships don’t create financial hardships. Their new type of supplemental health insurance plan covers 13,000+ conditions and pays cash benefits upon diagnosis of a covered condition with no accident or hospitalization requirements. Ansel is made available in partnership with established insurance carriers that insure tens of millions of Americans and their families. For more information, visit joinansel.com and follow us on Linkedin.}

^{For further information on how AIG uses personal information and to access contact details if you have any questions, please see our full Privacy Policy for your country at:}^{www.aig.com/globalprivacy}^.