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Supplemental Health Insurance For You

Even the best health insurance doesn't cover everything. Fill the gaps in your coverage.


Clear and straightforward products that work how you want and expect.


Receive benefits as direct payments made to you or whomever you choose, even if you change jobs or health plans.


Reasonable costs, designed for lasting solutions.

Is Your Employer-Provided Health Insurance Enough?

Has your employer trimmed costs by reducing your health plan options, lowering benefit amounts or offering high deductible health plans? Yet medical costs are moving in the opposite direction,1 leaving you to pick up any slack.

At Liferaft, we want everyone to have a simpler way to address surprise covered hospitalizations and their possible financial impact. By paying cash benefits directly to you or whomever you choose, our indemnity insurance products prioritize simplicity and flexibility, letting you determine what costs to cover and how.



Average deductible amount paid by an individual with employer-provided health insurance in 2020.2


Percentage of Americans worried about being able to afford an unexpected medical bill.3

0.0 days

Average length of a hospital stay in the United States.4

Our Products

Explore our offerings to supplement your health coverage.

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