In recent days, Cigna and Aflac have announced the roll out of group hospital indemnity benefits. The plans are intended to offer employees supplemental coverage for costs that major medical plans might not provide, but experts say adviser help is crucial for employee understanding and engagement with the new offerings.

Cigna said Monday its new group hospital indemnity insurance policy, called Cigna Hospital Care, will be available in April and provide additional financial protection when an unexpected covered hospitalization occurs. Aflac said last week it launched its group hospital indemnity in 40 states throughout January. The product provides coverage for both routine medical care as well as catastrophic illnesses and accidents.

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