Ancillary insurance refers to supplemental coverage that complements primary health insurance by covering specific healthcare needs that may not be fully addressed by the primary plan. It provides additional financial protection for services such as dental, vision, hearing, disability, critical illness, and other specific medical expenses not typically covered by basic health insurance.

Types of Ancillary Insurance:

• Dental Insurance: Covers routine dental care, including cleanings, fillings, extractions, and major dental procedures like root canals or crowns.

• Vision Insurance: Covers eye exams, prescription glasses or contact lenses, and vision correction procedures like LASIK surgery.

• Hearing Insurance: Covers hearing exams, hearing aids, and other related services for hearing impairment.

• Disability Insurance: Provides income replacement benefits if you become disabled and are unable to work due to an illness or injury.

• Critical Illness Insurance: Pays a lump sum benefit if you are diagnosed with a critical illness like cancer, heart attack, stroke, or organ failure.

• Accident Insurance: Provides financial protection in case of accidental injuries, covering medical expenses, hospitalization, and related costs.

• Hospital Indemnity Insurance: Offers fixed cash benefits for each day spent in the hospital due to illness or injury, helping offset out-of-pocket expenses.

• Cancer Insurance: Provides coverage for cancer-related expenses, including treatment costs, medications, and supportive care services.

These types of ancillary insurance plans offer individuals and families additional financial protection and peace of mind by covering specific healthcare needs that may not be fully addressed by basic health insurance. It's important to assess your healthcare needs and consider adding ancillary coverage to your insurance portfolio to ensure comprehensive protection.