Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance

At Voya Financial®, our mission is to make a secure financial future possible for all Americans – one person, one family, one institution at a time.

Voya Financial, Inc., is a leading health, wealth and investment company offering products, solutions and technologies that help its individual, workplace and institutional clients become well planned, well invested and well protected. Our 9,000 employees¹ are focused on achieving Voya’s aspirational vision: Clearing your path to financial confidence and a more fulfilling life. Voya is purpose-driven and equally committed to conducting business in a way that is socially, environmentally, economically, and ethically responsible. Our insurance companies provide supplemental health insurance in the U.S., and Voya offers a comprehensive and highly flexible portfolio of stop loss, life, disability, and supplemental insurance products to businesses covering individuals through the workplace. 

Voya Health Solutions

At Voya Financial^®, our mission is to make a secure financial future possible for all Americans – one person, one family, one institution at a time.

As part of this, we bring a human dimension to workplace benefits where solutions are measured by their impact to the people we serve, and care for our customers runs deep. Voya Health Solutions addresses employee needs with connected solutions intended to sync workplace benefits, including group and voluntary insurance options as well as Health Account Solutions, intended to help achieve a healthy balance of living for today, preparing for tomorrow and feeling confident about the future. 

Bringing together health and wealth in the workplace presents a great opportunity to address customer needs. We're finding that there is a need for a more integrated approach, and at Voya, we have the ability to help solve this need and deliver products and services that our customers are looking for to make workplace benefits easier, better optimized and more holistic. Voya is creating new and different connection points between workplace benefits and savings that are intuitive and easy. 

Products and services we offer include: 

• Insurance: Critical Illness Insurance, Specified Disease Insurance, Accident Insurance, Hospital Indemnity Insurance, Group Term and Whole Life Insurance, Short and Long Term Disability Income Insurance, and Stop Loss Insurance. 
• Non-Insurance Services: Employee Assistance Program (EAP), Funeral Planning, Will Prep and Concierge Services⁴ and HealthChampion^® Plus, Voya Leave Management, Voya Travel Assistance.
• Health Account Solutions: Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Limited Purpose FSAs, Dependent Care FSAs, Commuter Benefit Accounts, Health Reimbursement Arrangements (HRAs), COBRA and Direct Bill Administration.

Voya offers a competitive suite of supplemental health insurance benefits that can complement your medical insurance offering. Accident Insurance, Critical Illness* Insurance, and Hospital Confinement Indemnity Insurance provide benefits for covered events and can help employees and their families minimize the financial impact of an accident, illness or hospitalization. Benefits are paid directly to the insured and can be used as they choose such as on out-of-pocket medical expenses or even such things as groceries, childcare or travel. Plus, they’re adaptable to your benefits program needs, and are designed to be easy on the front-end administration and during the end-user claimant experience.

These are limited benefit policies. They are not health insurance and do not satisfy the requirement of minimum essential coverage under the affordable care act.

• A cut finger in the kitchen. A broken arm on the ball field. Accidents can happen. Accident Insurance pays benefits for specific injuries and events resulting from a covered accident that occurs on or after the coverage effective date. Employees can use the benefits their Accident Insurance pays to help cover the out-of-pocket costs that can come up as a result of an accident, such as copays, deductibles, and rehab-related expenses.
• A critical illness* diagnosis can turn a life upside down, and even have a financial impact. Critical Illness Insurance can help minimize that financial impact by paying a lump-sum benefit if an employee is diagnosed with a covered disease or condition. Employees can use that their benefit to help pay for their out-of-pocket medical expenses, as well as everyday costs like mortgage payments, travel to and from hospitals, daycare, and utilities.
• Hospital stays can be costly, whatever the reason we find ourselves there. Hospital Indemnity Insurance pays a fixed daily benefit if you have a covered stay in a hospital. An employee can use their benefit to help pay their out-of-pocket expenses such as those that are outside of medical insurance or a part of a medical plan deductible.

Additional considerations

• With Voya Claims 360, our integrated and intuitive claims models strive to boost utilization by sending claim reminders – and in some cases, making automatic benefits payments for covered events – to help employees receive eligible benefit payments they might otherwise overlook. One goal is to help employers realize administrative and claims process efficiencies that can positively impact the time and effort required to support employees.
• The Voya Employee Benefits Resource Center (EBRC) was designed to make finding supplemental health insurance benefits information and filing claims accessible and approachable – especially important during what may be a very stressful time.