Brella pays cash if you’re diagnosed with any of 13,000 conditions.

File a claim if you’re diagnosed with a covered condition. If approved, you’ll get a payout within 72 hours. Use your benefit to pay medical bills toward your deductible or for anything else you need. Choose your benefit amounts when you enroll.

What's covered?

  • 6,000 Moderate conditions like pneumonia, dehydration, concussions, and simple fractures.
  • 5,800 Severe conditions like appendicitis, torn ACL, gallstones, and acute respiratory failure.
  • 1,500 Catastrophic conditions like heart attack, stroke, cancer, MS, and sepsis.

Here are a few sample plans

Amber's Plan

Benefit Amounts
Moderate Condition
$500
Severe Condition
$2,000
Catastrophic Condition
$3,000

Ray's Plan

Benefit Amounts
Moderate Condition
$400
Severe Condition
$1,000
Catastrophic Condition
$3,000

Melanie's Plan

Benefit Amounts
Moderate Condition
$600
Severe Condition
$1,500
Catastrophic Condition
$5,000

Amber's Plan

Benefit Amounts
Moderate Condition
$500
Severe Condition
$2,000
Catastrophic Condition
$3,000

Ray's Plan

Benefit Amounts
Moderate Condition
$400
Severe Condition
$1,000
Catastrophic Condition
$3,000

Melanie's Plan

Benefit Amounts
Moderate Condition
$600
Severe Condition
$1,500
Catastrophic Condition
$5,000

Other important details—

  • No pre-existing condition exclusions
  • No medical questions to enroll
  • Coverage applies on- and off-the-job
  • Premiums vary by age and benefit amounts

All plans include—

  • Easy claims submission via our mobile app or online member portal
  • Fast payouts within hours of approval by Venmo, Paypal, or direct to your bank
  • Concierge support—talk to the same person throughout your membership!
  • Dependent coverage—option to include spouse, children, or full family

Melanie's Brella plan in action

Melanie is a mom of 3. She enrolled herself and her kids in a Brella plan with higher Moderate payouts in case her kids get injured playing sports. Note, this isn’t a real story but it’s a  realistic illustration to help you understand how Brella helps.

Melanie’s daughter Maya fractured her wrist playing soccer.

It was a simple fracture that didn’t require surgery, so after a visit to the ER, they were sent home with Maya’s wrist in a cast.

They filed a claim in the Brella app in minutes.

They answered 4 simple questions about what happened, and provided photos of the ER discharge paperwork, her hospital wristband, and Maya’s cast.

Melanie got a $600 Moderate payout 72 hours later.

A simple wrist fracture is a covered moderate condition, so Brella approved the claim and paid Melanie’s Moderate benefit. She used the cash to help cover the ER bill.

Watch how Brella works

How Brella Insurance works

Frequently asked questions

Why do I need Brella if I have health insurance?

Brella provides fast financial support for expenses that add up even when you have great health insurance. Most health plans leave you responsible for out-of-pocket costs like deductibles and copays. Plus, if you’re recovering from an injury or illness, you may have extra expenses like groceries, transportation, or childcare. With Brella, if you’re diagnosed with any of 13,000+ covered conditions, you can file a claim in minutes, and once approved, get paid in hours. Use the cash for anything you need on the road to recovery.

How do I sign up for Brella?

You can enroll in Brella during your company’s Enrollment period, so get in touch with your company’s HR or benefits administrator for more information.

How do I choose my benefit amounts?

When you enroll, you’ll choose the level of payout you want for Moderate, Severe, and Catastrophic conditions. You can choose lower payouts and have lower premiums, or you can choose higher payouts for a bit more and rest easy knowing that you’ll have help if the unexpected happens.

How much does Brella cost?

The cost of Brella plans vary with age, who you cover, and the benefit amounts you select. You'll be able to customize your plan to suit your budget. You'll see exact costs before you enroll. For questions about premiums or enrollment, talk to a Brella Concierge at (888) 300-5382.

When does my plan start?

Your plan will start on the Effective Date, which is usually the first day of the month after you enroll.

Do you cover pre-existing conditions?

Yes. There are no pre-existing condition exclusions with Brella plans. Plus, our plans are guaranteed-issue, so any eligible employee can sign up—no medical questions asked.

Do you cover kids and families?

Yes! You can cover just yourself or include your spouse, kids or the whole family.

Can I check if you cover a particular condition?

Yes! First, here’s a list of sample conditions, but we cover many more. If you have a question about a specific condition, email support@joinbrella.com or call (888) 300-5382 to talk to a Brella Concierge.

How often can I file a claim?

Brella will pay a benefit if you or your insured dependent(s) is diagnosed with a covered condition. You may receive a benefit more than once as noted below, subject to a defined separation period.

MODERATE CONDITION BENEFIT:
A Moderate Condition Benefit is only payable once per insured person in a 14-day period. There is no limit to the number of times an insured person may receive a Moderate Condition Benefit.

SEVERE CONDITION BENEFIT:
A Severe Condition Benefit is only payable once per insured person in a 30-day period. There is no limit to the number of times an insured person may receive a Severe Condition Benefit.

CATASTROPHIC CONDITION BENEFIT:
A Catastrophic Condition Benefit is only payable once per insured person in a 90-day period.  An insured person may only receive this benefit up to 3 times for the same or related condition during the insured person’s lifetime.
To get all the nitty gritty, read our Limitations & Exclusions FAQ.

I have more questions. Is there someone I can talk to?

Our Concierge team is ready to help answer your questions about all things Brella. Give us a call at (888) 300-5382 or email support@joinbrella.com.