Accident & Supplemental Insurance
Supplemental insurance provides financial support during unexpected medical events, hospital stays, or serious diagnoses. These plans are designed to complement your major medical coverage — not replace it.
Ashley River Benefits Group helps South Carolina clients understand how accident, hospital, and critical illness insurance can help protect their income and savings. Jordan Bardsley is a licensed life, accident, and health producer in South Carolina. Policies are issued by licensed carriers and subject to underwriting and policy terms.
Find My Coverage FitThis page provides general educational information. Policy provisions control. For South Carolina clients only.
Learn & Compare
Accident and supplemental policies can help bridge financial gaps when unexpected events occur. Explore below to see how Accident Insurance differs from Hospital Indemnity coverage.
Accident Coverage
- Provides benefits for certain covered injuries caused by an accident
- Benefits may help with out-of-pocket costs not covered by medical insurance
- Can include payments for ambulance, ER visits, or follow-up care depending on policy
Hospital Indemnity Coverage
- Provides a set benefit for each covered hospital stay or admission
- Helps offset lost income or expenses during hospitalization
- Policy terms define covered stays, daily benefits, and exclusions
Where Supplemental Coverage Can Help
The chart below illustrates how supplemental benefits can help reduce potential out-of-pocket exposure when medical costs rise unexpectedly.
Values shown are illustrative only. Actual costs and benefits vary by carrier, plan, and situation.
Quick Facts
Supplemental ≠ Health Insurance
These plans work alongside your major medical policy — not instead of it.
Flexible Benefits
Benefits are often paid directly to you, giving flexibility in how funds are used.
Budget Protection
Helps offset unexpected medical bills, deductibles, and non-medical costs like travel or recovery.
Customizable Options
Accident, hospital indemnity, and critical illness policies can be combined for broader protection.
Coverage Helper
Choose what matters most to you to see where supplemental coverage might help:
Suggested Focus Areas
- Accident insurance to help cover immediate costs after injuries
- Hospital indemnity for financial gaps during inpatient stays
Start a Conversation
Supplemental insurance can play an important role in protecting your income and savings. We can walk through how these plans work, what benefits they provide, and what to consider for your situation.
A consultation is not an application and does not guarantee coverage.
Schedule a ConsultationAshley River Benefits Group operates as a marketing name affiliated with Lloyd Agencies LLC, a licensed insurance agency. Insurance products are offered through Lloyd Agencies LLC and appointed carriers. Jordan Bardsley is a South Carolina licensed life, accident, and health producer. This website is a solicitation for insurance and provides educational information only.
South Carolina Focused, Client Centered
We’re proud to serve families and employers across South Carolina. Every conversation is designed to educate, simplify, and empower you to make confident insurance choices.
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