Affinity & Associations

We offer customized Hospital Indemnity Protection (HIP), Accidental Medical Expense (AME) insurance and similar limited benefits to members of specialty groups. Plans can help ease the financial burden associated with accident and sickness expenses, with no medical underwriting required.


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More Information on HIP
The HIP plan pays cash benefits directly to your members. Such payments are in addition to any other insurance payments they may receive. You can sponsor prepaid coverage and also offer members the option to increase protection with voluntary HIP coverage. To supplement this plan, we offer a customized guaranteed-issue Critical Illness Enhancement, which provides lump-sum cash benefits at first diagnosis of a covered critical illness.
More Information on AME

For treatment of a covered injury, the AME insurance plans are available on an excess basis and can pay a percentage of usual and customary charges that the insured person incurs for many inpatient and outpatient services, in excess of amounts paid under any other health care plan.

Coverage Includes

We strengthen your current insurance protection program with additional voluntary limited health and lifestyle benefits that can be packaged or offered individually, including:

  • Ambulance
  • Bereavement and Trauma Counseling
  • Domestic Assistance
  • Elder Survivor
  • Emergency Room
  • Home Alteration and Vehicle Modification
  • Home Health Care Expense
  • Home Recuperation
  • Hospital Confinement Benefit
  • Intensive Care
  • Parent Care
  • Prescription Drug
  • Psychological Treatment

These limited health benefits are offered through Affinity Programs, Association Programs and "Thank You" HAP programs.
US insurance coverage is underwritten by AXIS Insurance Company. Coverage is subject to exclusions and limitations, and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on state laws.

This insurance provides limited benefits.  Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage.  Further, this insurance does not coordinate with any other insurance plan.   It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.