AFR Life is expanding its product offerings with two new supplemental coverage options: Accident Medical Expense (AME) and Hospital Indemnity (HI) insurance. Underwritten by Zurich American Insurance Company, these plans are designed to help individuals and families manage the high and often unexpected costs of accidents and hospital stays.
These new health-focused plans support AFR Life’s mission of offering simple, empathetic, and practical insurance support that meets people’s healthcare challenges without adding hoops to jump through.
Why Supplemental Health Insurance Is Essential
Even with traditional health insurance, many Americans find themselves facing significant out-of-pocket expenses. A single ER visit, ambulance ride, or hospital stay can lead to thousands in bills—especially for those with high-deductible plans.
According to the U.S. Department of Health and Human Services, few uninsured or underinsured individuals have the savings needed to cover these costs. Meanwhile, hospital stays average $2,883 per day, and even insured patients may encounter surprise bills outside their plan’s coverage.
In fact, the 2025 LIMRA BEAT Study found that U.S. employees now rank unexpected medical expenses among their top benefit concerns, highlighting the growing demand for supplemental coverage that provides proper financial support.
Accident Medical Expense Coverage: Direct Support for Real-World Accidents
AFR Life’s Accident Medical Expense (AME) Insurance, underwritten by Zurich, reimburses actual medical costs related to covered accidents. Unlike scheduled-benefit plans, AME ties payouts to your actual medical expenses, allowing families to recover without facing debt or delay.
It’s more than a benefit; it’s a financial cushion during life’s unexpected moments. AME helps bridge the gap when traditional health insurance falls short. Because it’s expense-incurred, employees receive support that reflects their real bills—not arbitrary limits.
Key benefits can include:
- Reimbursement of $2,500 or $5,000 per covered incident
- $25,000 AD&D coverage / $50,000 AD&D coverage available on Enhanced Plus plan
- Annual wellness benefit of $50 per covered person
- No deductibles or coordination with health plans
- Coverage for ER, outpatient/inpatient surgery, X-rays, and follow-ups
- Out-of-country accident protection
- 24/7 coverage, 365 days a year
With four-tiered plan options (Basic, Value, Enhanced, and Enhanced Plus), employers can match benefits to varying workforce needs. The Enhanced Plus plan includes disability coverage and increased AD&D protection for well-rounded security.
And because there’s no employer contribution required, AME is a high-impact, low-effort addition to any benefits package, delivering valuable protection that employees can appreciate immediately.
Hospital Indemnity: Reliable Cash Benefits During Hospital Stays
AFR Life’s Hospital Indemnity (HI) Insurance, also underwritten by Zurich, delivers fixed daily cash payments for covered hospital stays, surgeries, and ICU care. These payments are made directly to the insured, helping them manage personal and medical expenses while they recover.
When faced with a hospital stay (especially under a high-deductible health plan), unexpected costs can escalate quickly. HI coverage steps in with daily cash benefits that give employees the freedom to manage both medical and personal expenses on their own terms, without waiting on claim approvals or dealing with provider networks.
Coverage highlights include:
- $1,000–$2,000 for first-day hospital confinement
- Daily payments up to $400 for ICU stays
- Coverage for mental health, substance use, outpatient surgery, and emergency visits
- No pre-existing condition, waiting periods, and HSA-eligible plans available for added tax efficiency
Hospital Indemnity plan tiers mirror those of AME, ranging from Basic to Enhanced Plus. This allows groups of all sizes and budgets to offer practical support without redesigning existing benefit structures. Administration is simple, and HSA eligibility makes this benefit not just practical, but also smart from a tax perspective.
Expanding Coverage to Meet Life’s Realities
The launch of AME and HI marks more than a product expansion. It reflects AFR Life’s continued commitment to listening, evolving, and responding to the needs of those we serve.
As medical costs rise and traditional health insurance leaves more gaps, individuals and families are seeking support that’s clear, flexible, and immediate. These new offerings, underwritten by Zurich, were built with that in mind—designed to deliver tangible relief in the moments when life doesn’t go as planned.
For over a century, AFR Insurance and AFR Life has earned the trust of generations by standing beside people through life’s most uncertain times. AME and HI are a natural extension of that promise, offering modern coverage backed by the same dependable service, compassion, and clarity you can always count on.
Whether it’s an unexpected injury or a prolonged hospital stay, AFR Life is here to help you navigate the challenge, not just with coverage, but with confidence.
A Smarter Approach to Supplemental Coverage
AME and HI plans offer a straightforward way to strengthen any benefits package. Designed to ease financial pressure during medical events, these additions reflect AFR Life’s continued commitment to practical, people-first protection.
Want to learn more? Connect with a representative from AFR Life to explore plan options.