Skip to main content
Suggested Searches
Quick Links

GAP Supplement Health Insurance Coverage

Few medical insurance plans pay 100 percent of the expenses for hospital and medical care. Even qualified health plans may require an individual to cover deductibles, co-pays, co-insurance and other out-of-pocket expenses – which can add up to thousands of dollars a year. Chubb's GAP Supplement Insurance Plan is specifically designed to fill the gaps of an underlying major medical plan by reimbursing an individual’s covered out-of-pocket expenses.

GAP Supplement Health Insurance Highlights

  • Supplements an employer’s major medical plan by reimbursing individuals for covered out-of-pocket expenses for which they are responsible for.
  • Hospital benefit reimburses deductibles, coinsurance and other eligible out-of-pocket expenses for covered benefits incurred during an inpatient hospitalization.
  • Optional outpatient benefit reimburses eligible out-of-pocket expenses incurred for hospital emergency room visits (not admitted) and use of outpatient surgical, diagnostic testing and other similar facilities licensed to provide outpatient treatment.
  • Optional ambulance benefit reimburses eligible out-of-pocket expenses incurred for transportation provided by a licensed ambulance company to the nearest hospital.
  • Coverage is guaranteed issue.
  • Individuals covered under this medical GAP Supplement Insurance plan must also be covered by an underlying major medical plan.


  • Plan is only available to employer groups that have a major medical plan available for employees.
  • Eligibility rules are flexible in order to coordinate with a major medical plan’s eligibility rules; coverage is also available to dependents of employees who are covered under the major medical plan.
  • Minimum of 30 days of active service required (employer may choose to lengthen the number of days).
  • Employees must work at least 15 hours per week.
  • At least 15 employees must participate in the plan.

Client Profile

Small to mid-size employer groups with high deductible healthcare plans.

The Chubb Advantage

  • Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
  • Global Protection: The Chubb global network can satisfy the insurance needs of companies operating worldwide.
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.
  • Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.