One insurance plan pays cash benefits for 13,000+ injuries and illnesses
No accident or hospitalization requirements
100% guaranteed issue, with no medical underwriting, ever
Zero exclusions for pre-existing conditions
Most approved claims pay out within 72 hours
What Is Supplemental Health Insurance?
Supplemental health insurance pays cash benefits directly to you when you experience a covered diagnosis or health event. With RenSecureHealth, Renaissance’s diagnosis-based supplemental health plan, you can use that coverage alongside a primary medical plan or entirely on its own.
The benefits you qualify for are separate from anything a medical plan pays to doctors or hospitals, so you decide whether the money goes toward deductibles, everyday bills, travel, or other expenses tied to your major health event.
Why Supplemental Health Coverage Matters
Life is unpredictable. Even with comprehensive health insurance, an unexpected illness or injury can bring significant financial stress. Deductibles, copays, coinsurance, lost income, childcare, transportation costs and other related expenses all add up quickly, often at the worst possible time.
That’s the gap RenSecureHealth is built to close.
How RenSecureHealth Works
The benefit is triggered by your diagnosis, not by how you were treated. No accident needs to have caused it, and you do not need to be hospitalized to qualify. A doctor’s diagnosis of a covered condition is enough.
What That Means Day to Day:
How Supplemental Health Insurance Works With Your Other Benefits
RenSecureHealth can be used on its own or alongside other healthcare coverage. It pairs well with a major medical plan when that’s part of your benefits and may be available to stand alone as extra financial protection.
Because payouts arrive as cash, you choose how to use them.
Members often put them toward deductibles and copays, income gaps that disability coverage doesn’t fill, and related costs like transportation or lodging during treatment or recovery.
Plus, if you also have accident or disability insurance coverage through work, those benefits and RenSecureHealth can complement each other. RenSecureHealth pays cash directly to you on a covered diagnosis, and each of your other plans pays according to its own terms.
What Does RenSecureHealth Cover, and How Much Does It Pay?
More than 13,000 conditions qualify, sorted into three benefit levels:
| Benefit Level | Conditions Covered | Typical Situation | Examples | Payouts Up To |
|---|---|---|---|---|
| Moderate | 6,000+ | A short visit to the ER or urgent care | Simple fractures, lacerations, kidney stones | $800 |
| Severe | 5,600+ | More intensive medical treatment | Appendicitis, compound fractures, pulmonary embolism | $3,000 |
| Catastrophic | 1,500+ | Immediate medical intervention | Lung cancer, heart attack, stroke | $10,000 |
This is an example of benefits for illustration only. To confirm what your own plan covers and at which level, please refer to your policy for information.
When Should I Use My RenSecureHealth Benefit?
Use it when a doctor diagnoses you with a condition on your covered conditions list. That includes everyday events members don’t often think to file for, such as a laceration treated at urgent care, in addition to more serious diagnoses.
It also doesn’t matter where the injury or illness happened, at work or anywhere else. The benefit will still apply regardless of location.
When something unexpected sends you in for treatment, check the list before assuming the benefit doesn’t apply.
How Do I File a Claim, and When Do I Get Paid?
Start here
Before your first claim, register on the RenSecureHealth portal. You’ll need an account there before you can use the mobile app.
Log in to the RenSecureHealth portal via the app or your desktop.
Answer a few guided questions.
Upload basic documentation that includes information about your diagnosis, such as a bill or an Explanation of Benefits.
Choose how you want to be paid: direct deposit, Venmo or PayPal.
At Renaissance, benefits through RenSecureHealth are generally paid within 72 hours of an approved claim, depending on the payout method you choose. Because the money comes to you rather than to your doctor or hospital, there is nothing to reimburse and nothing to wait on from a provider.
Technology helps move claims quickly, and real people stay heavily involved when a claim calls for thoughtful judgment. Important decisions are never fully automated.
How to Get RenSecureHealth Through Your Employer
If your employer offers RenSecureHealth, you’ll typically enroll through your workplace benefits. If you aren’t sure whether it’s available to you, check your enrollment materials or ask your HR or benefits manager.
Before you choose a benefit level, consider adding up what an unexpected diagnosis would cost you directly, including your deductible and anything your other coverage would not pay. Your employer’s enrollment materials will show which levels are offered and what each one costs so you can make the best choice for your needs.
Annual enrollment is the window for that decision, and our guides on choosing coverage at work and using the benefits you already have cover both sides of it.
