Supplemental Medical

Supplemental Medical Plans pay a fixed, cash benefit directly to you, which you can use for any purpose you like. It can help pay for expenses not covered by your health care plan — such as your deductible or copays — lost income, childcare, travel to and from treatment, home health care costs, or any of your regular household expenses.

EnerSys has contracted with Voya to provide and administer three Voluntary Benefits: Critical Illness Insurance, Accident Insurance and Hospital Indemnity Insurance.

What’s great about these plans is that they complement your existing health care coverage, filling in the gaps and offering financial support where it’s needed most. These benefits can be elected with or without medical enrollment, and the cash distributions can always be used however you see fit — they are never required to be used to offset medical expenses.

No medical questions or tests are required for coverage on any of the three plans. For additional information, definitions of available benefits, and exclusions/limitations, please review the plan summaries, brochures and/or Certificates of Coverage found in the Document Center of Benefit Solver.

Critical Illness Insurance

Tom suffered a stroke.

He was hospitalized for five days.
He began rehab to get back to where he was physically before the stroke.
Tom was enrolled in the Low Plan. Because stroke pays at 100% of the coverage amount, he submitted his claim and received a lump-sum payment of $10,000.
He used the money for his deductible, rehab copays, and household expenses while he recovered.

Plan Information

Provider: Voya

Group Number: 731307

Coverage Options: Low Plan $10,000 | High Plan $20,000

Who You Can Cover: Yourself and any eligible dependent

No medical questions or tests are required. Benefits can be paid out multiple times, and this plan is Wellness Benefit eligible.

Covered Conditions

Conditions paying 100% of your coverage amount:

● Heart attack

● Cancer

● Stroke

● Major organ transplant

● Severe burns

● Benign brain tumor

● Permanent paralysis

● Loss of sight, hearing or speech

● Coma

● Amyotrophic lateral sclerosis (ALS)

● Parkinson’s disease

● Advanced dementia, including Alzheimer’s disease

● Huntington’s disease

Additional conditions pay a partial benefit of 50%, 25% or 10% — including coronary artery bypass, carcinoma in situ, bone marrow and stem cell transplants, myasthenia gravis, lupus (SLE), aneurysms, skin cancer and others. See the Certificate of Coverage in the Document Center of Benefit Solver for the full schedule.

How It Works

To receive the benefit, you only need to be diagnosed with a covered condition. If you or a covered dependent are ever diagnosed, the benefit will trigger and you will receive the full value of the coverage amount, unless the Certificate of Coverage explicitly states the condition pays less than 100% of the policy value.

Benefits can be paid out multiple times for separate covered conditions.

Accident Insurance

On his way to work, John was in a car accident.

He was transported by ground ambulance to the emergency room and admitted to the hospital.
He had a dislocated hip and spent five days in the hospital.
He had several physical therapy sessions before returning to work.
John was enrolled in the Low Plan. He submitted his accident claim and received $3,835.
He used it toward his deductible, copays, and supplemental income for his missed workdays.

Plan Information

Provider: Voya

Group Number: 731307

Coverage Options: Low Plan | High Plan

The Schedule of Benefits contains over 100 covered injuries and treatments/services. No medical questions or tests are required, and this plan is Wellness Benefit eligible.

Sports Accident Benefit Rider: if your accident, or that of a covered dependent, occurs while participating in an organized sporting activity, all benefits — with the exception of fractures and dislocations — are increased by 25%, to a maximum of $1,000.

Sample Benefit Amounts

John’s claim (Low Plan):
Ground Ambulance: $240
Emergency Room Treatment: $225
Hospital Admission: $1,000
Hospital Confinement (5 days × $225): $1,125
Dislocated Hip (non-surgical): $1,125
Physical Therapy (4 sessions × $30): $120

Total Benefit Paid: $3,835

Amounts shown are a condensed selection. See the Certificate of Coverage for the complete Schedule of Benefits.

What Accident Insurance Covers

● Emergency room and urgent care treatment

● Hospital admission and confinement, including critical care and rehabilitation

● Fractures and dislocations, surgical and non-surgical

● Concussions, lacerations, burns and paralysis

● Major diagnostic exams, X-rays and medical equipment

● Physical and speech therapy

● Ground and air ambulance

● Emergency dental work, prosthetic devices and blood/plasma/platelets

● Lodging — if you are away from home when the accident happens

Hospital Indemnity Insurance

In April, Sarah unexpectedly needed back surgery.

Sarah was admitted to the hospital for surgery and stayed three days.
After surgery, she began physical therapy to increase her strength and flexibility.
Sarah was enrolled in the Low Plan. She received a $1,000 admission benefit plus $100 per day for days 2 and 3 of her confinement, for a total of $1,200.

Plan Information

Provider: Voya

Group Number: 731307

Coverage Options: Low Plan | High Plan

When admitted to a covered medical facility, you become eligible for an admission benefit for the first day of confinement. This benefit is paid once per confinement, up to a maximum of 8 admissions per calendar year.

Beginning on Day 2 of confinement, you are eligible for a fixed daily benefit. The amount and maximum number of days varies by facility type. No medical questions or tests are required.

Benefit Amounts

Hospital Admission — Low | High
$1,000 | $2,000

Observation Unit requires at least 4 consecutive hours, other than inpatient, with a maximum of 1 day per calendar year. It is not payable for any day that a facility confinement or admission benefit is payable.

If You Add a Child to Your Family

Hospital Indemnity benefits apply if you have employee or spouse/domestic partner coverage and are hospitalized for childbirth. In addition, your newborn child may be covered as well.

If child coverage is effective before the child is born, benefits apply just as they would for any other child.
If child coverage is not effective before the child is born, be sure to add your newborn as a Qualifying Event within 30 days to take advantage of an additional benefit amount.

Wellness Benefit

The Wellness Benefit is included with both Accident Insurance and Critical Illness Insurance coverage. It provides an annual benefit payment of $50 if you complete a covered health screening test on or after your coverage effective date — whether or not there is any out-of-pocket cost to you.

The benefit can be claimed once per year per enrollment, even if you complete multiple tests. That means if you and your family are enrolled in both Critical Illness Insurance and Accident Insurance, each covered plan participant can receive the Wellness Benefit twice per year, for up to $100. Any covered spouse/domestic partner and/or children are also eligible if they complete a health screening test on or after their coverage effective date.

Eligible screening tests include: blood test for triglycerides, mammography, routine eye exam, flexible sigmoidoscopy, colonoscopy, routine dental exam, CEA (colon cancer), CA 15-3 (breast cancer), well child and preventive exams (ages 1–18), bone marrow testing, stress test, biometric screening, hemoccult stool analysis, fasting blood glucose test, electrocardiogram (EKG), breast ultrasound/sonogram/MRI, thermography, annual physical exam, molecular or antigen COVID-19 test, PSA (prostate cancer), hemoglobin A1C, chest x-ray, hearing test, and bone density screening.

Once your screening test is completed, visit the Voya Benefits Resource Center at presents.voya.com/EBRC/EnerSys. Group policy name: EnerSys, Inc. | Group policy number: 731307. Complete the questions regarding the health screening test, then electronically sign and submit your claim. A confirmation number will be provided for your reference. Questions? Call Voya at 877-236-7564.