“What we’ve said at Clara is, instead of paying $30,000 for a heart attack, we’d rather offer lower amounts of more like $8,000. In doing that, we’re able to offer coverage for a lot more conditions that are typically not covered by the incumbents.

Animal Finds

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Friendly Animal

With supplemental benefits in the past, when you had a $500 deductible 40-years-ago, it didn’t make sense to cover a whole bunch of conditions that cost less than $500, because there weren’t many things that cost less than $500. But today, if your deductible is $3,500, then even if your daughter breaks her ankle playing soccer, and a hospital charges you $2,000 or $3,000, that’s not going to be covered in an accident policy today, whereas in Clara, because of our unique structure, it would be.”