iGAP® – Guaranteed Issue Accident Insurance with Benefits for hospital stays and critical illnesses

What is it?

Your iGAP coverage comes bundled with benefits that can help you pay out-of-pocket medical expenses that may not be covered under your major medical policy. What makes GTL’s iGAP coverage unique is that once you choose a benefit amount, your coverage will pay lump sum benefits to help pay for costs associated with accidents, hospital stays and critical illnesses such as cancer, heart attack and stroke.

How does it work?

Mary has a major medical policy with a $10,000 deductible. She is concerned about her out-of-pocket medical expenses if something unexpected occurs. To help protect her from these high costs, she purchased a $10,000 iGAP coverage from GTL. Unfortunately, Mary gets into a major car accident that leaves her responsible for her total deductible. Since she has GTL’s iGAP, Mary receives a check for $10,000 to cover these expenses. Several months later, Mary gets sick and has to be hospitalized for 3 days. With her iGAP benefits, she receives $5,000 for the 1st day in the hospital (50% of benefit amount), $2,500 for the 2nd day (25% of benefit amount) and $2,500 for the 3rd day (25% of benefit amount) for a total of $10,000. Her Accident Medical Expense benefit and Hospitalization Sickness benefit paid out $20,000! She can now focus on her recovery without the burden of having these high out-of-pocket expenses!

Why do I need it?

GTL’s guaranteed issue accident coverage, iGAP, helps you to fund out-of-pocket gaps in your major medical plans to help pay for deductibles, co-insurance and co-pays. So you can focus on what matters most... your recovery.

Quick Stats

2 Things to Know


GTL’S iGAP coverage is a Group Accident product. You will need a SBSA membership to purchase this coverage.


Policy Benefit Amounts $1,000 to $15,000, available in $1,000 increments.

What does the lump sum benefit include?

  • Accidental Medical Expense and Accidental Death & Dismemberment Benefits
  • Hospital Sickness Lump Sum Benefit
  • Cancer Lump Sum Benefit
  • Heart Attack and Stroke Lump Sum Benefit

**This product and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please contact us or your agent. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. Click here to view product disclosures and statistic sources.