Which Voluntary Benefits does BeneRe offer?

There are the three main coverages that best supplement your health insurance plans by helping pay for deductibles, coinsurance and non-covered health services. These policies are Accident, Critical Illness and Hospital Indemnity.


This coverage pays benefits for specific injuries and events resulting from a covered accident. The benefit amounts depend on the type of injury and treatment received. Example of the multitude of types of benefits available:

  • Dislocations
  • Surgery
  • Emergency Dental
  • Burns
  • Eye
  • Medical Equipment
  • Physical Therapy
  • Concussion
  • Broken Bones
  • Transportation
  • Blood
  • Hospital
  • Lacerations


Torn ACL

How Accident insurance helps you:

  • $1,000 Torn ACL
  • $600 Ambulance
  • $75 X-Ray
  • $450 Physical Therapy Visits (6)
  • $250 Medical Equipment

$2,375 Total Accident benefit paid to employee

Benefit payments can be used for any type of expense but are most commonly used to pay medical deductibles and co-pays, child care, house cleaning, and everyday expenses like utilities and groceries.

Critical Illness

Critical Illness policies pay a lump-sum benefit if the employee is diagnosed with a covered illness or disease. For group coverage, Critical illness insurance is most often offered as guaranteed-issue that does not require employees to provide health information to qualify. Limits are provided in different levels, typically between $10,000 – $30,000 and multiple covered illness/disease categories can be selected.

Below are the illnesses that may be included:

Base Module

  • Heart Attack
  • Stroke
  • End Stage Renal (Kidney)
  • Failure
  • Coma
  • Major Organ Failure
  • Permanent Paralysis

Cancer Module

  • Cancer
  • Carcinoma in Situ (25% of the Max Benefit)
  • Skin Cancer (10% of
    Max Benefit)

Module A

  • Deafness
  • Blindness
  • Benign Brain Tumor
  • Occupational HIV

Module B

  • Multiple Sclerosis
  • Amyotrophic Lateral
    Sclerosis (ALS)
  • Parkinson’s Disease
  • Alzheimer’s Disease
  • Infectious Disease
*Employers can customize Critical Illness benefits to meet budget or plan design objectives.


$5,000 Out-of-pocket medical expenses
$2,500 House payment
$1,500 Food and utilities
$800 Car payment
$500 Other living expenses
$150 Car insurance

$10,450 Total out-of-pocket expenses

$10,000 Total Critical Illness benefit paid

Hospital Indemnity

Hospital indemnity pays a daily benefit if the employee has a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based upon the type of facility and the number of days stayed. Like the other coverages, this can provide significant financial protection from high deductibles or out-of-pocket maximums.


Delivery of child with a 3 day hospital stay

How Hospital Indemnity insurance helps you:

$1,500 Hospital Admission Benefit
$200/day Hospital Confinement Benefits

$2,100 Total Hospital Indemnity benefit paid to employee

For Accident, Critical Illness and Hospital Indemnity coverage, rates are typically lower when purchased through the employer and premium amounts can be payroll deducted, simplifying enrollment and administration for employees.