What Is Stop-Loss Insurance?

What Is Stop-Loss Insurance?

Stop-loss insurance, or excess medical insurance, protects an employer's self-funded employee benefit plan from catastrophic and unknown claims. There are two forms of coverage available, Specific and Aggregate. Specific Stop-Loss protects the benefit plan against a large claim on one individual. Aggregate Stop-Loss places a ceiling on the total amount of eligible expenses an employer would pay, during a contract period.


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