KEMPER HEALTH

Voluntary Benefits for Kemper Employees

  • Accident Expense
  • Critical Illness
  • Hospital Indemnity
  • Whole Life
As a Kemper employee, you can apply for four policies from Kemper Health when you become benefit eligible or during open enrollment.

Accident Expense

Even minor accidents can leave you with major expenses. Select a maximum benefit of $1,000, $2,000, $3,000 or $5,000 that can be used throughout the calendar year for costs related to treatment of accidental injuries. Learn More

Critical Illness & Cancer Treatment Rider

Critical Illness insurance pays a lump-sum benefit upon diagnosis of illnesses including heart attack, stroke, coronary bypass surgery, angioplasty, cancer and more. Learn More

Hospital Indemnity

When you or a covered family member are admitted to the hospital, the plan pays a benefit directly to you with no restrictions on how the funds can be used. Learn More

Whole Life Insurance

Kemper Health Whole Life insurance is for individuals and families, no matter what your age and provides money for expenses when your family needs it most. Learn More

 

Accident Expense

Even minor accidents can leave you with major expenses. Select a maximum benefit of $1,000, $2,000, $3,000 or $5,000 that can be used throughout the calendar year for costs related to treatment of accidental injuries. Benefits can be used for:

  • Emergency room and follow-up care.
  • Physical therapy, prothesis.
  • Hospitalization, inpatient drugs and outpatient recovery.
  • Diagnostic exams, ambulance and dental repair work.
  • And more!

Download the guide for rates and details.

Critical Illness & Cancer Treatment Rider

Critical Illness insurance pays a lump-sum benefit upon diagnosis of a covered illness.

Features & Extras

  • $50 annual wellness benefit.
  • Benefit amounts up to $20,000. (guaranteed issue, no health questions)
  • Additional occurrence and reoccurrence benefits.
  • Spouse can be covered at 50%; dependent children at 25%.
  • Optional Benefit Enhancement Rider increases coverage by up to $1,000 year for 10 years or until first claim.
  • Optional Cancer Treatment Rider – Benefits for medication, blood/plasma, experimental treatment, radiation/chemotherapy.

Covered Conditions

  • 100% of Benefit Amount for Heart Attack, Stroke, Major Organ Transplant, End-Stage Renal Failure, Paralysis, Loss of Sight, Loss of Speech, Loss of Hearing, Coma, Major Third-Degree Burns, Occupational HIV, Cancer
  • 25% for Alzheimer’s Disease, Parkinson’s Disease, Muscular Dystrophy with the loss of 3 or more ADLs; Bone Marrow Transplant, Benign Brain Tumor, Bypass Surgery, Cancer in situ. 10% for Angioplasty

Download the guide for rates and details.

Hospital Indemnity Insurance

When you or a covered family member are admitted to the hospital, the plan pays a benefit directly to you with no restrictions on how the funds can be used. Benefit features include:

  • Fixed daily benefit for hospital stays up to a maximum number of days.
  • Intensive Care Unit (ICU) confinement benefits are included.
  • Benefits are paid directly to you.
  • And more!

Learn More

Whole Life Insurance

Kemper Health Whole Life insurance is for individuals and families, no matter what your age and provides money for expenses when your family needs it most.

  • Face amounts from $5,000 to $100,000.
  • Premiums never increase, as long as you pay your premiums.
  • Cash value builds at a guaranteed interest rate of 4.5%.
  • Take your policy with you if you retire or change jobs.
  • Terminal illness benefit is automatically included and provides a payment of 50% of the face amount if the insured is diagnosed with a terminal illness.
  • Chronic illness rider pays up to 25% of the face amount if insured is diagnosed as chronically ill and requires continuous confinement in a nursing home or assisted living facility. An additional lump-sum of 25% of the face amount is paid after 270 days of confinement.

Download the Brochure

Contact Member Services

844-613-6245

Download a Claims Form 

  • Accident Expense
  • Critical Illness
    • Wellness
  • Whole Life 
    • Death Benefit 
    • Chronic Illness
    • Terminal Illness
  • Hospital Indemnity

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