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P-C Insurer Offers Dependent-Only Health

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Markel Insurance Company is selling a basic medical insurance policy feature that can help employers fill in gaps in family coverage.

Markel, Richmond, Va., says its Markel Basic Health insurance program now offers a dependent-only coverage option.

The program is aimed at workers at employers with 50 or more eligible employees that offer no major medical coverage, and to large and midsize employers that limit access to major medical coverage to employees.

Dependents who have the dependent-only basic health coverage can collect fixed indemnity benefits when they receive certain types of care, such as certain types of surgery or certain types of diagnostic tests.

The program is approved for sale in 38 states, Markel says.

Markel will not use health underwriting, and dependents can enroll in the plan at any time of the year, the company says.

The basic medical insurance offers a simpler benefits structure than most of the “mini med” plans now on the market offer, Markel says.