Voluntary Worksite Coverages

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

The payment you get isn't based on the size of your medical bill.
There might be a limit on how much this policy will pay each year.
This policy isn't a substitute for comprehensive health insurance.
Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
To find out if you can get health insurance through your job, or a family member's job, contact the employer.

Questions about this policy?

For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
If you have this policy through your job, or a family member's job, contact the employer.

Accident Insurance

Accidents can happen anytime. As an eligible employee, you can buy accident insurance from Principal to help cover costs from unexpected accidents and injuries. This insurance pays extra money on top of your medical plan, no matter what other insurance you have. The amount you get depends on the injury and the medical care you need, and it’s paid all at once. You don’t need to answer health questions, but there might be rules about pre-existing conditions. You will pay for this insurance, and you can sign up for coverage for yourself, your spouse, and your children.

Accident Plan Benefit Summary

Critical Illness Insurance

Are you protected if you get a serious illness? As an eligible employee, you can buy Critical Illness insurance from Principal to help cover costs if you’re diagnosed with a serious illness like a heart attack, coma, kidney failure, or cancer. This insurance gives you extra money on top of your medical plan, no matter what other insurance you have. The amount you get depends on the illness and is paid all at once. You don’t need to answer health questions, but there might be rules about pre-existing conditions. You will pay for this insurance, and you can get coverage for yourself, your spouse, and your children.

Hospital Indemnity Insurance

A hospital stay can be costly, even with medical insurance. As an eligible employee, you can buy Hospital Indemnity insurance from Principal to help cover expenses if you’re admitted to or confined in a hospital. This insurance pays you directly, and you can use the money however you need. You don’t have to answer health questions, but there might be rules about pre-existing conditions. You will pay for this insurance, and it is available for you, your spouse, and your children.