Press Release

Crum & Forster Launches Employer Medical Gap Insurance Solution

Issued by Crum & Forster

Aug. 1, 2025

New Product Helps Reduce Employee Out-of-Pocket Medical Costs

Eatontown, N.J. – Crum & Forster’s (C&F) Accident & Health (A&H) Division is pleased to introduce its C&F Employer Medical Gap Insurance, a new supplemental health insurance solution designed to help employers manage rising healthcare costs and continue to offer high-value, competitive employee benefits. This innovative product works with major medical plans, helping to reduce out-of-pocket expenses for employees and offering brokers a flexible, commissionable solution for their clients.

“As healthcare costs continue to rise, employers are seeking ways to balance affordability with providing robust benefits to their employees,” said Tanya Arrowsmith, Senior Vice President of the A&H Division’s Medical Business Unit at Crum & Forster. “C&F Employer Medical Gap Insurance is designed to bridge the gap between what major medical plans cover and what employees are responsible for paying—making it easier for employers to offer competitive benefits and for employees to access the care they need without excess financial strain.”

C&F Employer Medical Gap Insurance is designed to complement high-deductible health plans and can be tailored to fit various employer plan designs. The product provides 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 can customize benefit, coinsurance and deductible amounts to best meet their needs.

Key features of C&F Employer Medical Gap Insurance:

• Works with the employer’s major medical plan for a more seamless experience
• Provides flexible plan design to meet diverse coverage needs
• Delivers fast, hassle-free claims process with direct provider reimbursement for participating providers
• Available for groups with as few as 10 employees

The claims process is designed for simplicity: employees present their major medical and medical gap insurance cards at the point of care, and participating providers handle the rest—no employee claim forms are required and no waiting for reimbursement.

“Brokers, Managing General Underwriters, and Managing General Agents need relevant, responsive products from a carrier they can trust,” added Arrowsmith. “With C&F’s deep expertise and commitment to service, we’re proud to offer a solution that delivers value to employers, employees and our distribution partners alike.”

C&F Employer Medical Gap Insurance, underwritten by Monitor Life Insurance Company of New York, is available in many states and can be customized for a wide range of employer groups. For more information, visit our website.

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About Crum & Forster Accident & Health Crum & Forster, rated “A” Excellent by A M Best (2024), is a national commercial property and casualty group of insurance companies. Since 2000, Crum & Forster’s Accident & Health Division has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support. In addition, our ability to provide international Accident & Health solutions through our innovative captive structure as well as through various partnerships with affiliated entities demonstrates our dedication to providing alternative strategies in an ever-changing insurance market.

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