Supplemental Health Benefits, through Voya, help protect you and your loved ones financially when you experience an unexpected health event. You are responsible for the cost of this benefit and can elect coverage for yourself, your spouse/DP, and your children. To learn more about these benefits, visit www.incorabenefits.com.
Accidental Injury Insurance
Accidental Injury insurance helps you pay for expenses related to unexpected accidents and injuries. The benefit amount is determined by the injury and medical care received and is paid in a lump sum amount.
If an accident happens to you and your claim is approved, you receive a benefit payment in the amount listed below, to be used however you like.
Critical Illness Insurance
Critical Illness insurance helps you pay for expenses related to the diagnosis of a critical illness, such as a heart attack, coma, kidney failure, or cancer. The benefit amount is determined by the type of illness and is paid in a lump sum amount.
You have the option to enroll in coverage in the amounts below:
Hospital Indemnity Insurance
Hospital Indemnity insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit, or rehabilitation facility. You can use this money for any purpose you like, such as out-of-pocket medical expenses, lost wages, or regular household expenses.
*An Intensive Care Unit may be referred to as a “Critical Care Unit” in your certificate of coverage. An ICU Transitional Care Unit may be referred to as a “CCU Step-Down Unit” in your policy documentation. Refer to your policy documentation for complete definitions and descriptions of each facility type.
Additional Wellness Benefit
If you enroll in the Accident or Critical Illness coverage and complete a health screening test, you will receive a once-per-year $50 wellness benefit payment. If you’re enrolled in both Accident and Critical Illness, you will receive $50 for each coverage for a total of $100 - even if it is for the same health screening test.* Your covered dependent children are eligible for $25 per year up to a maximum of $100 for all children per calendar year.
Eligible health screenings include many common tests including: