Specialty Markets

Special Markets provides access to a full array of products including Employer Stop Loss, Fully Insured Major Medical, Indemnity Limited Medical, College Medical, Aggregate Only and Occupational Accident.  We have partnered with managing general underwriters (MGUs) and third party administrators (TPAs) to offer these products. These entities market, underwrite, pay claims and perform most administrative functions on our behalf.

Employer Stop Loss

This coverage offers employers who have self funded their medical benefit protection against catastrophic losses. We offer this coverage on both a specific and aggregate basis. We reimburse the employer for claims that exceed dollar thresholds (specific deductible or aggregate attachment points) agreed to between Companion Life and our policyholders at the time of underwriting.

Indemnity Limited Medical

These are plans for small employers wanting to offer their employees a more affordable health insurance option. They also serve larger employers who are seeking an affordable health insurance option for their part-time, temporary or seasonal employees. Professional associations that want to provide additional benefits to their members also find these plans appealing.

Fully Insured Major Medical

These are comprehensive health insurance options for small and large employers. They provide a full array of plan options, including deductibles and coinsurances, in the states where we offer these products.

Student Medical

These are flexible health plan options for colleges and universities that provide their students with access to health insurance benefits. The plans can be offered on a mandatory, hard waiver or voluntary basis. Coverage is available to both domestic and international students.

Aggregate Only

This is a transitional stop loss product for small employers who currently fully insure their health insurance benefits. This product allows a smooth, affordable transition for an employer considering a move to a self funded option.

Occupational Accident

Occupational Accident insurance provides work place injury coverage for an employer who has non-subscribed or “opted-out” of the TX Workers’ Compensation system. Standard coverage includes accident medical expense, AD&D and accident disability.

For more information, please contact us.