Top Signature Gap Features and Benefits

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As employee out-of-pocket responsibilities continue to increase, the Kemper Health Signature Gap insurance plan can be an important part of your benefit strategy, supplementing the employer’s major medical coverage or move to a CDHP.

The Kemper Signature Gap insurance plan has assignable benefits unlike other plans where a claim form is required.  With the Kemper Benefits Signature Gap insurance plan, the employees get an ID card and we pay based on the medical carrier's EOB.  This is a great feature as employees dislike submitting claims and then waiting to get reimbursed. It’s easy to offer and explain. Help brokers see the benefits that set the Kemper Health Signature Gap insurance plan apart from other gap plans.


  •  Inpatient required benefit
  •  Outpatient optional benefit
  •  Traditional deductibles and HSA-compatible deductible options
  •  Physician Office Visit Benefit Rider available
  •  Broad range of outpatient services covered


  • Surgery performed in a doctor’s office
  • Radiation and chemotherapy treatment
  • Outpatient durable medical equipment
  • Transportation by ambulance


  • Guaranteed issue
  • Can be offered as voluntary or employer-paid
  • 5 enrolled lives participation requirement

Expenses must be eligible under the insured person's major medical plan in order to be covered and are subject to the limitations and exclusions of the Signature Gap policy.

See our Signature Gap Sales Tools

The underwriting company for the Accident Expense, Accident Indemnity, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, a Kemper Life & Health Company. Kemper Corporation (NYSE: KMPR) is one of the nation’s leading insurers, with subsidiaries that provide an array of products to the individual and business markets. Kemper underwriting companies are rated “A-” (Excellent) by A.M. Best Company, a leading insurance industry rating authority. Kemper Corporation is not responsible for the products of any of its underwriting companies. The underwriting company for the Hospital Indemnity, Signature Gap, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company (FSL). FSL is rated “A-“ (Excellent) by A.M. Best Company. FSL is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state.

Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

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