Ancillary & Supplemental Benefits

Ancillary & Supplemental Benefits

Crum & Forster, Accident & Health offers customizable and flexible ancillary products such as fixed indemnity, group accident and critical illness products to eligible groups; associations, affinity and traditional employer groups and financial institutions. Medical indemnity, AD&D, accident medical expense and other benefits are available. Individual short term medical is also available for individuals younger than 65.

We also offer Medicare Supplement tailored with unique solutions for the senior market.


Medical Business Unit
Gary Nidds
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Reach our Teams
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General Inquiries
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Solutions & Services
Stop Loss & Excess Medical
Clinical Risk & Medical Management

Fixed Medical Indemnity

Plan designs and schedules can be customized to provide various indemnity benefits to valid associations, affinity groups, and traditional employer groups.

Coverage may include, but is not limited to:

  • Hospital room & board
  • Physician indemnity
  • Wellness benefits
  • Inpatient and outpatient surgery
  • Anesthesia
  • Laboratory/X-rays/diagnostics
  • Physical therapy
  • Emergency room visits
  • Ambulatory services

Accident Medical Expense / AD&D

Plan designs and schedules can be customized to provide various benefits to valid associations, affinity groups, and financial institutions.

Coverage may include, but is not limited to:

  • Accidental death and dismemberment
  • Accident medical expense
  • Weekly accident indemnity

Short Term Medical

Temporary medical coverage provides accident and sickness benefits for individuals younger than 65 during transitional periods such as:

  • Change in employment
  • Graduating students
  • Waiting for Medicare

Flexible coverage options are available to include varying deductibles, coinsurance, and length of coverage.

Cancer / Critical Illness

Cancer and Critical illness plan designs built upon C&F’s group accident and group indemnity product platform.

Plans offer a lump sum payment upon first diagnosis of a specified condition.

Coverage can focus on the condition of Cancer. Or, it can be expanded to cover additional conditions such as:

  • Heart attack
  • Stroke
  • Major organ transplant and similar

Medicare Supplement

When it comes to insuring our senior population, we believe that it’s not whether to supplement, but where, when and how to supplement most effectively.

We specialize in creating unique products for diverse client solutions, offering a complete suite of Medicare Supplement plans including Plan L, which is a highly cost effective alternative to Medicare Advantage.

Plus, with C&F you can offer a pet prescription savings program.

Products may vary and may not be available in all states.