These insurance plans are totally voluntary and are usually paid for by the employee. These plans are designed to fill the gaps in group health insurance. Coverage’s such as critical illness (cancer, heart attack, strokes, etc.), accident coverage, and hospital confinement coverage pay lump sum benefits to the insured at time of claim. The money is usually used to pay for large group health deductibles, co-pays, and out of pocket costs that are not picked up by the group health insurance plan.