Crum & Forster Launches Employer Medical Gap Insurance Solution
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EATONTOWN, N.J., July 31, 2025 ~ Crum & Forster (C&F) Accident & Health (A&H) Division has recently announced the launch of their new product, C&F Employer Medical Gap Insurance. This supplemental health insurance solution is specifically designed to assist employers in managing the ever-increasing costs of healthcare while still providing competitive and valuable benefits to their employees.

Tanya Arrowsmith, Senior Vice President of the A&H Division's Medical Business Unit at Crum & Forster, stated that as healthcare costs continue to rise, employers are facing the challenge of balancing affordability with offering comprehensive benefits to their employees. C&F Employer Medical Gap Insurance aims to bridge this gap by covering expenses that major medical plans may not cover, making it easier for employers to provide competitive benefits and for employees to access necessary care without financial strain.

This innovative product is designed to complement high-deductible health plans and can be tailored to fit various employer plan designs. It offers additional financial protection by covering many of the same services as the employer's major medical plan, with optional riders available for doctor's office visits, prescription drugs, and ambulance services. Employers have the flexibility to customize benefit amounts, coinsurance rates, and deductibles according to their specific needs.

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One of the key features of C&F Employer Medical Gap Insurance is its seamless integration with major medical plans. This allows for a hassle-free claims process where employees simply present their insurance cards at the point of care and participating providers handle the rest. There is no need for employee claim forms or waiting for reimbursement.

Arrowsmith emphasized that C&F understands the importance of providing relevant and responsive products for brokers, Managing General Underwriters, and Managing General Agents. With their expertise and commitment to service, they are proud to offer a solution that brings value not only to employers and employees but also to their distribution partners.

Underwritten by Monitor Life Insurance Company of New York, C&F Employer Medical Gap Insurance is available in many states and can be customized for a wide range of employer groups. Employers interested in learning more about this product can visit the C&F website for more information.

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