Group Limited Indemnity (GLI) Insurance

Group Limited Indemnity
60% of U.S. adults say they could not cover the costs of a $1,000 emergency room visit using savings.1

Our GLI insurance helps cover the cost of certain expenses incurred due to a covered accident or sickness. Benefits are payable at a fixed amount per insured per day up to a maximum number of days per year.

Groups can select from a wide range of benefits and riders to create a custom program tailored for non-benefit eligible employee populations or to help fill in gaps in employees’ major medical health insurance. Categories of covered benefits include hospitalization, surgery, office visits, emergency room, and outpatient diagnostic services.

Note: GLI insurance is not major medical health insurance. It is a limited benefit product that pays a fixed benefit amount when an insured incurs certain expenses for treatment due to an accident or injury.


Our Group Limited Indemnity Insurance Policy can benefit your group in these ways:

Group Limited Indemnity

Help employees pay for basic health expenses

GLI insurance can be an option for employees who aren't eligible for or can’t afford major medical health insurance coverage by providing a fixed benefit amount for certain medical events, such as hospitalization, surgeries, doctor visits, lab tests, and prescription drugs. (Note: GLI insurance is not a substitute for comprehensive, major medical health insurance.)

Attract and retain employees

A GLI insurance policy for hourly paid workers can help reduce turnover and absenteeism caused by acute health conditions. Non-insurance services like a provider network, telehealth services, or a prescription drug discount or co-pay plan may be made available to the employee. (Note: Non-insurance services are not offered or underwritten by Globe Life.)

Group Limited Indemnity
Group Limited Indemnity

Supplement a major medical plan

A GLI insurance policy can be used to help employees pay for some of the out-of-pocket expenses required by their major medical insurance plan such as inpatient hospitalization and surgery.

Deliver voluntary benefits with ease

GLI insurance benefits can also be delivered as part of a robust Voluntary Benefit Program in a single certificate. Standard packages include: Hospital Admission, Hospital Confinement, and Wellness benefits; as well as Critical Illness, AD&D, and Accident riders, with optional Outpatient Cancer and Short Term Disability riders.

Group Limited Indemnity

Insurance is underwritten by Beazley Insurance Company, Inc., 30 Batterson Park Road, Farmington, Connecticut, 06032. Beazley is rated A by A.M. Best. Beazley is licensed in all 50 states and the District of Columbia. CA License # 2868-8. Group Limited Indemnity is offered under Policy Form Series AHGLIMM0001. Pre-existing condition limitations may apply. Coverage is not available in all states. Benefits may vary by state. Premium will vary based on the plan chosen. A waiting period for late entrants may apply. This policy is renewable at the option of Beazley. Refer to the Master Policy and Certificate for all terms, conditions, exclusions and limitations. Beazley uses the services of third party administrators.

Globe Life And Accident Insurance Company manages and reinsures the Beazley Benefits program.