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Personal Accident & Health Insurance Plans: Direct Marketing

Why Choose AIG Medical Indemnity?

AIG Medical Indemnity offered through Accident & Health Corporate Markets  is a new supplemental group insurance product covering a wide range of conditions with a  simplified claims process. Our product provides cash benefits for covered health conditions to help employees offset their healthcare costs associated with out-of-pocket expenses.

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.

The AIG Advantage

Wide Range of Coverage

AIG Medical Indemnity covers a broad spectrum of health issues in one single policy.

Flexibility

Dedicated employer support and self-service tools to make plan administration pain-free.

Claims Capabilities

AIG Medical Indemnity makes it possible for members to receive benefits without having to file a claim when the plan is coordinated with a major medical plan. Simplified claims experience for employees through automation or online portal/app.

  • One plan that covers 13,000+ conditions with the ability to add 4,900 more through optional riders 
  • Complements major medical plans
  • Can be layered with other supplemental health 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 be paid within 72 hours

Plan Highlights

Moderate Conditions

6,000+ covered conditions Injuries or illnesses that likely require a short trip to the ER or urgent care facility. Examples include dehydration, kidney stones,  lacerations, simple fractures.

Severe Conditions

5,600+ covered conditions Serious conditions that require more intensive medical treatment and attention. Examples include appendicitis, compound fractures, diverticulitis and pulmonary embolism.

Catastrophic Conditions

1,500+ covered conditions Dangerous or life-threatening conditions that may require immediate medical intervention. Examples include heart attack, cancer, stroke, and multiple sclerosis.

Target Markets

AIG Medical Indemnity was built to help employers of varied sizes provide a valuable supplemental health plan including:

Small to Medium Size Businesses

  • Complements primary major medical plans
  • Affordable to increase employee retention and show them they care by providing a useful medical coverage product
  • Easy to use online portal, no long installation required; no administrative burden

Large Corporations

  • Ease the burden of high deductible plans for employees
  • Works with primary major medical plans and HSAs
  • Employer can bake the cost of a mandatory supplemental health plan into the overall medical program
  • Easy claims processing with billing codes

Self Insureds

  • Helps stabilize overall health plan costs
  • Automates claims payments based on billing code – no claims submission needed when coordinated with a major medical plan
  • Offers valuable and meaningful benefits – increasing utilization across all employees

AIG Medical Indemnity Incidence Analysis

Injuries and illness come in all shapes and sizes. Employees don’t want to guess if their supplemental health plan helps cover unexpected medical expenses and employers don’t want to guess whether a supplemental health plan is worth. implementing. We cover the common conditions that could put a dent in your savings.

Data doesn’t lie.

Our ICD-10 approach unlocks the ability to showcase the value of an AIG Medical Indemnity supplemental health insurance plan, just by looking at historical medical claims. An incidence analysis tells a compelling story:

  • Number of payable claims
  • Number of covered ICD-10 codes
  • Number of individual members with benefits paid

The strength of AIG Medical Indemnity insurance coverage comes from the number of conditions we can cover across our Moderate, Severe, and Catastrophic condition categories. We even have the option to cover additional conditions under chronic and mental illness categories.

How does AIG Medical Indemnity Work?

  1. Employees can be automatically covered under a 100% employer paid plan, or can enroll in a contributory or voluntary plan.
  2. Employee is diagnosed with a condition, files a claim and receives a benefit for a covered condition within 72 hours. Claims can also be coordinated with an employee’s major medical plan: online app intakes group medical claims files, analyzes ICD-10 codes and pays eligible claims with no additional documentation required. 
  3. Employee’s condition is covered and he/she can focus on their recovery and is grateful to his/her employer for offering this beneficial plan.

Real-World Problem Solving

Benefit from our proven experience in working with customers and their brokers and agents to deliver successful outcomes.

Challenge

An employee  sustained a concussion and a torn ACL and was discharged from the hospital due to a fall.  The employee wanted to know if her conditions were covered. The employee contacted AIG Medical Indemnity member services.

Solution

The employee learned that with AIG Medical Indemnity, both her conditions were covered and she didn’t need any extra paperwork, and could file a claim with readily available evidence she had on hand. She uploaded the information from the hospital onto her mobile app and within 72 hours received a benefit.

AIG Benefit

The employee received swift member support and payment  from AIG  making it easier for employees to understand coverage and file claims.

Challenge

 An employer in the manufacturing industry was looking to add a valuable supplemental health product to their employee benefits package to help with unexpected medical costs  with a simple and straight-forward claims experience for their employees. 

Solution

Their broker recommended AIG Medical Indemnity, which covers 13,000+ conditions with a simplified claims process as well provided flexible plan options. 

AIG Benefit

The employer provided an attractive plan that was cost-effective and easy to use for their employees to help them manage unexpected medical expenses.

Challenge

An employee was injured due to an accident and unable to return to work. The employee was worried about returning to work due to his injuries and lost wages. His employer chose AIG Medical Indemnity with medical integration. 

Solution

The employee did not have to file any paperwork. Within 72 hours, he received payment due to his covered injuries to be used however he chooses. 

AIG Benefit

The employee was grateful to his employer for the funds that would allow him to pursue treatment and get back to his job. His employer was satisfied with an simple user experience.

AIG Medical Indemnity Product Inquiries

Our goal is to provide a customized benefit solution to meet each of your unique needs. Based on these needs, please click the below that best applies to you.

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Insurance policies issued by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC), a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37Fl. New York, NY 10020. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. NUFIC is responsible for the financial obligations of its insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

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Downloadable Materials

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Product Flyer

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FAQs

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Incidence Analysis Flyer

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Broker Flyer

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Employee Flyer

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 US.

Products or services may not be available in all countries or state, and coverage is subject to actual policy language.

*AIG is the marketing name for the worldwide property casualty, life and retirement, and general insurance operations of American International Group, Inc. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all jurisdictions.

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.

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