Uncover the Gaps: Why a Coverage Analysis is Critical for Every Client

July 28, 2025

When was the last time you reviewed your client's coverage for potential gaps?

Even clients with major medical insurance can face financial strain after an unexpected accident or illness. A comprehensive coverage analysis allows you to identify hidden gaps in protection and offer smart solutions, helping clients avoid out-of-pocket expenses when life takes an unexpected turn.

Use the steps below to guide your client conversations and position Zurich American Insurance Company’s (Zurich) Accident Medical Expense (AME) and Critical Illness (CI) coverage as financial protection.

1. Start with a Coverage Exposure Audit

Begin by asking a few key questions:

• What's their health plan's deductible and out-of-pocket maximum?
• How much do they have in emergency savings?
• Could they afford time off work or cover non-medical expenses during a health crisis?

These questions can uncover potential risks. For example, over 56% of Americans don't have $1,000 saved for medical emergencies.* Even a broken bone, ER visit, or serious diagnosis can result in bills that primary insurance doesn’t fully cover.

2. Explain How AME & CI Help Cover the Gaps

Help your clients understand how supplemental coverage works alongside their existing insurance.

Accident Medical Expense (AME)

• Pays benefits per covered accident with no annual or lifetime limits
• Helps cover ER visits, X-rays, follow-up appointments, and copays
• Works regardless of other coverage or deductible status

Critical Illness (CI)

• Pays a lump-sum benefit upon diagnosis of a covered condition (e.g., cancer, heart attack, stroke)
• Funds can be used for any need: medical bills, groceries, transportation, or childcare
• Offers flexibility during a difficult time

3. Position AME & CI as Smart, Affordable Additions

AME and CI coverages are designed to complement existing medical plans with flexible, non-deductible options.

• With Individual Major Medical Plans: AME and CI help cover expenses like deductibles, copays, or non-covered services.
• With Group Plans: Supplemental coverage can offset high out-of-pocket costs, offering additional protection when it's needed most.

Clients can customize coverage for themselves, their spouse, or their family, providing them greater confidence when the unexpected occurs.

4. Highlight Key Benefits from Zurich

Zurich's AME Coverage:

• Benefit levels from $2,500 to $10,000 per covered accident
• Helps pay for treatment, even when major medical leaves a gap
• Supports a wide range of injuries, from cuts and fractures to concussions
• Affordable monthly premiums, for as little as $20 a month

Zurich's CI Coverage

• Lump-sum benefit for major illnesses
• Ultimate flexibility—clients choose how to spend their payout
• Adds a cushion alongside health insurance, reducing financial pressure when it matters most

A simple coverage review can uncover real vulnerabilities and reveal solutions your clients may not have been aware of. With AME and CI, you're not just offering more coverage; you're providing a lifeline when life takes an unexpected turn.