10 July 2020USA analysis

Crum & Forster partners with insurtech to offer short term health cover

The North River Insurance Company, a subsidiary of Crum and Forster, has partnered with Pivot Health to provide group short-term health insurance plans.

Pivot Health is the insuretech coverage division of

The product line is called Epic. The new short-term health plans offer a range of deductible options and the choice between an all-access network or a national preferred provider organisation (PPO) network, in addition to optional supplemental accident insurance.

The plans also provide balance bill protection in the event a provider does not accept the allowable fee determination to help prevent surprise billings.

Jeff Smedsrud, chief executive officer of Pivot Health, said the product is a game-changer in the short-term medical insurance space - hence the name. It addresses gaps in health insurance coverage created by temporary situations like a time of unemployment or transition to a new job, early retirement or not qualifying for a subsidy on the federal or state marketplace.

“By offering more practical benefits for everyday medical care like preventive office visits, childhood immunisations and even mammogram screenings and OB-GYN annual exams, the product offers what many consumers are saying is important to them,” he said.

Gary Nidds, senior vice president and head of Crum and Forster’s medical business unit, said: “Pivot Health’s advanced and unique use of technology to distribute and deliver temporary and supplemental insurance products was attractive to us from the start.”