Simplifying and normalizing supplemental benefits.

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What is supplemental insurance

Supplemental insurance is an additional insurance policy that helps cover costs and services not covered by your primary health insurance plan. These policies can help pay for out-of-pocket expenses such as copayments, deductibles, and coinsurance, as well as provide benefits for specific conditions or situations, such as critical illness or accidents.

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Find the products that work best for you and your employees.

Short-Term Disability

Peace of mind for when you're sick or injured and can't make it to work.

Accident Coverage

Accident's happen. And at times you need some cash to offset the consequences.

Hospital

Assistance in covering expenses due to extended hospitalization.

Critical Illness

A lump-sum payment for if a catastrophic event such as a heart attack or stroke occurs.

Cancer Insurance

Financial assistance in the event you are diagnosed with cancer.

Dental & Vision

Covering routine check ups, cleanings and more.

Enhancing your protection for life's unexpected moments.

What you get
with every plan

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An affordable plan that works with your family's monthly budget.

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Peace of mind knowing that you have additional financial protection in place for medical events or emergencies.

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A personal account manager you can always contact or consult.

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The Loewen & Associates promise of quality and service.

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Expert consultation services to determine your best options.

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Insurance options for the family you already have, or the one you plan.

FAQ

  • How does supplemental insurance work?

    Supplemental insurance policies work alongside your primary health insurance plan. When you incur medical expenses not covered by your primary plan, your supplemental insurance can help cover those costs. Depending on the policy, you may receive a lump-sum payment or reimbursement for eligible expenses.

  • What types of supplemental insurance are available?

    There are several types of supplemental insurance policies available, including critical illness, accident, hospital indemnity, disability, and cancer insurance. Each policy is designed to provide coverage for specific situations or health conditions, so it's essential to choose the right policy based on your needs and potential risks.


  • Do I need supplemental insurance?

    Whether or not you need supplemental insurance depends on your personal circumstances, financial situation, and primary health insurance coverage. If your primary plan has high deductibles or copayments, or if you're at risk for specific health conditions or accidents, supplemental insurance can provide added financial protection and peace of mind.

  • Can I have more than one supplemental insurance policy?

    Yes, you can have multiple supplemental insurance policies to cover different needs or health conditions. For example, you might have a critical illness policy to cover expenses related to a severe health condition and a hospital indemnity policy to cover costs associated with hospital stays. However, it's important to carefully review each policy's terms and conditions to ensure you're not over-insured or duplicating coverage.


  • Can I cancel my supplemental insurance policy if I no longer need it?

    Yes, you can typically cancel your supplemental insurance policy if you no longer need the coverage. However, the cancellation process and any potential penalties or fees may vary depending on the insurance provider and policy terms. Be sure to review your policy's cancellation guidelines and contact your insurance provider to discuss your options.