NsureWise policies are made to be used
Insurance that covers real-world needs
NsureWise is reinventing how insurance works for employees. We go beyond the basics by ensuring our offerings cover out-of-pocket expenses and show up for you when you need them most.
See how our coverage helps protect real people from out-of-pocket medical costs by exploring the stories below.
NsureWise policies are made to be used
Insurance that works as hard as you do
NsureWise is reinventing how an insurance program works for employees. We believe in supporting employees by going beyond the basics. Our products cover out-of-pocket expenses and are there for you when the unexpected happens.
Explore the stories below to learn how we can help protect you from out-of-pocket medical expenses.
HOW IT WORKS
Short-Term Disability
60% of Susan’s income paid monthly after a back injury
Susan hurts her back
Susan falls while carrying laundry and injures her back badly enough that she can't return to work for two months.
Susan’s employer gives her time off, but with no pay.
Susan's employer gives her the time off she needs, but it's unpaid. She earns $3,000 a month and still has bills to cover, so she files a claim on her Short-Term Disability policy.
NsureWise has her back.
Her policy pays her $1,800 a month — 60% of her income — for the full time she's away from work.
HOW IT WORKS
Short-Term Disability – Back Injury / Story
Susan falls down carrying laundry and hurts her back.
Her injury is severe enough to prevent her from returning to work for two months.
Susan’s employer gives her time off, but with no pay.
She makes $3,000 a month, but now she needs income to help cover her bills. Susan files a claim on her Triada Short-Term Disability policy.
NsureWise has her back.
After filing a claim, her policy pays her $1,800 each month (60% of her income) for the time she’s absent from work.
HOW IT WORKS
Accident –
Car Accident / Story
Mark is in a car accident and hurts his arm.
He visits the emergency room that afternoon and an X-Ray determines that his arm is broken.
His arm is put in a cast.
After filing a claim with his Triada Accident policy, Mark receives payments for $200 for his fracture, $300 for his treatment, and $75 for the X-Ray.
Mark is paid a flat amount.
He’s eligible for these payments regardless of his medical expenses.
HOW IT WORKS
Accident Insurance
After Mark's car accident, Mark receives a flat payment to help him get back on his feet.
Mark is in a car accident and hurts his arm.
Mark hurts his arm and visits the emergency room that afternoon. An X-ray confirms his arm is broken, and it's put in a cast.
Mark files a claim
After filing a claim on his Accident policy, Mark receives $200 for his fracture, $300 for his treatment, and $75 for the X-ray.
He's paid a flat amount
Mark receives these payments no matter what his actual medical expenses turn out to be.
HOW IT WORKS
Critical Illness –
Stroke / Story
Jeanette suffers a stroke.
She’s rushed to the hospital and receives a bill for her stay and treatment.
Her primary insurance covers only a portion of expenses.
With NsureWise Critical Illness Insurance, Jeanette can file a claim on her policy after her diagnosis.
NsureWise sends her $15,000.
Regardless of her medical expenses, Jeanette will receive a lump-sum payment of $15,000.
HOW IT WORKS
Critical Illness
When Jeanette has a stroke, NsureWise sends a lump-sum payment to use at her discretion.
Jeanette suffers a stroke.
She's rushed to the hospital and, after her stay and treatment, receives the bill.
Her primary insurance covers only part of it
With NsureWise Critical Illness Insurance, Jeanette files a claim on her policy as soon as she's diagnosed.
NsureWise sends her $15,000.
No matter what her medical expenses are, Jeanette receives a lump-sum payment of $15,000 to use however she needs.
HOW IT WORKS
GAP+ Protects Ed’s Wallet
Ed has GAP+ through NsureWise.
Each month that Ed consults his personal dietitian and refills his blood pressure medication, he receives monthly payments for engaging in his Health Screening and Health Treatment Benefits.
Payments are deposited into Ed’s bank account.
It is deposited on the same day as his paycheck and help offset the cost of his GAP+ policy.
Ed can fund additional policies.
Since he’s enrolled in GAP+, Ed is also able to fund an Accident policy through NsureWise without reducing his take-home pay.
One day, Ed has an accident.
He falls down a flight of stairs, and is admitted to the emergency room where he undergoes an MRI and is diagnosed with a concussion.
Ed could have to pay his maximum out-of-pocket deductible.
Since Ed hasn’t met his health insurance deductible for the year, he could be expected to pay up to his maximum out-of-pocket for his treatment.
NsureWise bridges the GAP.
Ed’s GAP+ policy covers him for $2,500 of outpatient benefits. On top of that, his Triada Accident Policy will pay him $300 for his emergency room treatment, $300 for his MRI and $450 for suffering a concussion – regardless of his medical expenses.
HOW IT WORKS
Flex Shield
See how Flex Shield protects Ed's wallet and provides peace of mind.
Ed has Flex Shield through NsureWise.
Each month that Ed consults his personal dietitian and refills his blood pressure medication, he earns payments for engaging with his Health Screening and Health Treatment benefits.
Payments land in Ed's bank account.
They're deposited on the same day as his paycheck, helping offset the cost of his Flex Shield policy.
Ed can fund additional coverage.
Because he's enrolled in Flex Shield with $2,500 in outpatient benefits, he can also fund an Accident policy through NsureWise without reducing his take-home pay.
One day, Ed has an accident.
He falls down a flight of stairs and is admitted to the hospital, where he undergoes an MRI and is diagnosed with a concussion.
Without coverage, Ed could owe his full out-of-pocket maximum.
Because Ed hasn't met his health insurance deductible for the year, he could be on the hook for up to his maximum out-of-pocket for this treatment.
NsureWise bridges the gap.
Ed's Flex Shield policy covers him for $2,500 in outpatient benefits. On top of that, his Accident policy pays him $300 for his emergency room treatment, $300 for his MRI, and $450 for his concussion, regardless of his medical expenses.
Live Healthier With Flex Shield
Identify potential health risks early before they start! Flex Shield is a policy designed to help you take charge of your well-being. Join to connect with qualified healthcare professionals, telemedicine, wearable fitness devices, and other health services.