MINNEAPOLIS--(BUSINESS WIRE)--Voya Financial, Inc. (NYSE: VOYA), announced today that it continues to enhance its growing portfolio of workplace benefits by offering an innovative, technology-enabled solution to help employees ease the burden of out-of-pocket medical costs. Voya Protect, a new Group Limited Benefit Insurance powered by the insurance technology company Ansel Health, is a supplemental health offering that is designed to pay benefits quickly and easily when covered conditions are diagnosed..

明尼阿波利斯--（商业新闻短讯）--Voya Financial，Inc.（纽约证券交易所代码：Voya）今天宣布，它将通过提供创新的、技术支持的解决方案来帮助员工减轻自付医疗费用的负担，从而继续增强其不断增长的工作场所福利组合。Voya Protect是由保险技术公司Ansel Health提供支持的一种新的集团有限福利保险，是一种补充健康服务，旨在在诊断出承保条件时快速轻松地支付福利。。

“At Voya, we understand that an unexpected medical emergency can be costly. We also know that the ability to save for emergencies has remained a challenge given the realities of inflation over the past several years,” said Rob Grubka, CEO, Workplace Solutions, Voya Financial. “Recent industry data has found that just one in five households has increased its emergency savings since the start of 2023.1 Even with health insurance coverage through their employer, it’s not uncommon for employees to still have out-of-pocket medical expenses — which can have a financial impact on workers and their families.

Voya Financial Workplace Solutions首席执行官罗伯·格鲁布卡（Rob Grubka）表示：“在Voya，我们明白，突发医疗事件可能代价高昂。我们也知道，鉴于过去几年通货膨胀的现实，为紧急情况储蓄的能力仍然是一个挑战。”。“最近的行业数据显示，自2023年开始以来，只有五分之一的家庭增加了紧急储蓄。1即使通过雇主购买了医疗保险，员工仍然拥有自费医疗费用也并不罕见，这可能会对工人及其家人产生财务影响。

With Voya Protect, both employers and their employees can benefit — because it’s extensive, efficient and easy.”.

有了Voya Protect，雇主和员工都能从中受益，因为这是一项广泛、高效和容易的工作。”。

Extensive – Voya Protect pays benefits for more than 13,000 covered conditions, which are determined by International Classification of Diseases (ICD-10) diagnostic codes. Three categories of coverage — moderate, severe and catastrophic — are available, covering conditions like simple fractures and concussions to more complex medical issues, such as a stroke or heart attack.

广泛–Voya Protect为13000多个覆盖条件支付福利，这些条件由国际疾病分类（ICD-10）诊断代码确定。有三类覆盖范围-中度，重度和灾难性-涵盖简单骨折和脑震荡等情况，以及更复杂的医疗问题，如中风或心脏病发作。

Plus, there are no limitations or exclusions for pre-existing conditions and no medical underwriting requirement..

另外，对于先前存在的条件没有限制或排除，也没有医疗保险要求。。

Efficient – The claims experience for employees is simple. A covered individual can file a claim in minutes, either online or by using the app. Eligible, approved benefit payments are typically made within 72 hours. The benefit payment (with amounts determined by the employer within approved plan ranges) can be used for any purpose, including paying bills — such as mortgages, rent and utilities — or covering other out-of-pocket medical costs, including co-pays, deductibles and coinsurance..

高效–员工的索赔体验很简单。被保险人可以在几分钟内在线或使用该应用程序提交索赔。符合条件的、经批准的福利付款通常在72小时内支付。福利金（金额由雇主在批准的计划范围内确定）可用于任何目的，包括支付账单，如抵押贷款、租金和水电费，或支付其他自付医疗费用，包括共同支付、免赔额和共同保险。。

Easy – Administration is simple for employers with self-administered billing and a single certificate that can be distributed or posted for employees. In many cases, Voya will be able to automatically pay customer claims when an event occurs via integration with medical claims data, offering a more streamlined and enhanced experience for both employers and employees, particularly when an insured may have overlooked a claim opportunity.

简单–对于雇主来说，管理很简单，拥有自我管理的账单和可以为员工分发或发布的单一证书。在许多情况下，Voya将能够在事件发生时通过与医疗索赔数据的集成自动支付客户索赔，为雇主和员工提供更简化和增强的体验，特别是当被保险人可能忽略了索赔机会时。

Voya Protect was also designed to be compatible with health savings accounts (HSAs)..

Voya Protect也被设计为与健康储蓄账户（HSA）兼容。。

“We continue to see employees turning to their employers for help with their comprehensive workplace benefits and savings needs. And, while many employers have made changes to their benefit lineups to help support their employees, the reality is that workplace benefits are complex,” explained Nate Black, vice president, Health Solutions Product at Voya Financial.

Voya Financial健康解决方案产品副总裁内特·布莱克（NateBlack）解释说：“我们继续看到员工向雇主寻求帮助，以满足其全面的工作场所福利和储蓄需求。尽管许多雇主已经改变了福利阵容，以帮助支持员工，但现实是工作场所福利是复杂的。”。

“As a result, more and more employees are becoming interested in a simple solution to help ease the burden of out-of-pocket medical costs when they’ve experienced a covered condition — and Voya Protect does just that.”.

“因此，越来越多的员工开始对一种简单的解决方案感兴趣，这种解决方案可以帮助他们在经历保险后减轻自费医疗费用的负担，Voya Protect就是这样做的。”。

In fact, according to new research from Voya, half (50%) of working Americans are “extremely likely” or “likely” to participate in more voluntary benefits offered through their employer in 20242 and even more (77%) of employed Americans who are benefits eligible strongly agree or agree they are more likely to work with an employer who offers voluntary benefits.3.

事实上，根据Voya的最新研究，20242年，一半（50%）的美国工作人员“极有可能”或“有可能”参加通过雇主提供的更多自愿福利，甚至更多（77%）符合福利条件的美国工作人员强烈同意或同意他们更有可能与提供自愿福利的雇主一起工作。

“It’s clear that voluntary benefits — or supplemental health insurance coverage — offered through the workplace are a growing interest for individuals when it comes to their health insurance needs,” Black added. “As we continue to invest and enhance our solutions at Voya, we’re excited to introduce Voya Protect to our comprehensive portfolio offering, providing individuals the option of one comprehensive solution to pay benefits for more than 13,000 covered conditions and through a more simplified claims experience.”.

布莱克补充道：“很明显，当涉及到个人的健康保险需求时，通过工作场所提供的自愿福利或补充健康保险范围越来越受到个人的关注。”。“随着我们在Voya继续投资和改进我们的解决方案，我们很高兴将Voya Protect引入我们的综合投资组合产品，为个人提供一种综合解决方案的选择，以支付超过13000个承保条件的福利，并通过更简化的索赔体验。”。

“We’re excited to be working together with Voya to help make health hardships less of a financial burden for Americans today by offering benefits that help minimize the financial impact that can come with out-of-pocket medical costs,” said Kim Heald, vice president of Sales at Ansel Health.

安塞尔健康公司（Ansel health）销售副总裁金·希尔德（Kim Heald）表示：“我们很高兴能与美国之音（Voya）合作，通过提供有助于减少自费医疗费用可能带来的财务影响的福利，帮助减轻当今美国人的经济负担。”。

Beyond its normal base plan, Voya Protect also offers employers additional optional benefits they can elect for their employees. Notably, there is optional benefit coverage for mental health conditions, such as anxiety, bipolar disorder and major depressive disorder. With Voya research noting that more than half (55%) of working Americans “strongly” or “somewhat agree” that their employer has a responsibility in ensuring they are mentally healthy and emotionally well, the topic of mental health in the workplace continues to draw interest from employers and employees.4 Voya Protect also provides optional benefit coverage for chronic conditions such as asthma, diabetes and epilepsy..

除了正常的基本计划外，Voya Protect还为雇主提供额外的可选福利，他们可以为员工选择。值得注意的是，对于焦虑症，双相情感障碍和重度抑郁症等心理健康状况，有可选的福利范围。Voya research指出，超过一半（55%）的在职美国人“强烈”或“某种程度上同意”他们的雇主有责任确保他们的心理健康和情绪良好，工作场所的心理健康问题继续引起雇主和员工的兴趣。4 Voya Protect还为哮喘、糖尿病和癫痫等慢性病提供可选福利。。

Voya Protect is the latest example of how Voya is focused on providing innovative solutions and capabilities to help employers and their employees optimize their workplace benefits and savings needs. Last year, the company expanded its critical illness and accident insurance, offering new benefits and coverage to focus on mental health, and Voya most recently announced enhancements to the participant homepage experience, offering data-driven, personalized insights to help inform employees of their complete health and financial picture.

Voya Protect是Voya如何专注于提供创新解决方案和能力以帮助雇主及其员工优化其工作场所福利和储蓄需求的最新例子。去年，该公司扩大了重大疾病和意外保险，提供了新的福利和保险范围，以关注心理健康，Voya最近宣布增强参与者主页体验，提供数据驱动的个性化见解，帮助员工了解其完整的健康和财务状况。

More solutions are planned throughout 2024..

2024年计划推出更多解决方案。。

As an industry leader focused on the delivery of benefits, savings and investment solutions to and through the workplace, Voya is committed to delivering on its mission to make a secure financial future possible for all — one person, one family, one institution at a time.

作为一家专注于为工作场所提供福利、储蓄和投资解决方案的行业领导者，Voya致力于履行其使命，为所有人——一个人、一个家庭、一个机构——创造一个安全的金融未来。

1. “Survey: 81% of Americans didn’t increase their emergency savings this year as majority feels behind,” Bankrate (October 2023).

1.“调查：81%的美国人今年没有增加紧急储蓄，因为大多数人感觉落后，”Bankrate（2023年10月）。

2. Voya Financial Consumer Insights & Research survey conducted Oct. 2-3, 2023, on the Ipsos eNation omnibus online platform among 1,005 adults aged 18+ in the U.S., featuring 467 Americans working full time or part time.

2.2023年10月2日至3日，在益普索综合在线平台上，对美国1005名18岁以上的成年人进行了Voya金融消费者见解与研究调查，调查对象为467名全职或兼职美国人。

3. Voya Financial Consumer Insights & Research survey conducted Jan. 22-23, 2024, on the Ipsos eNation omnibus online platform among 1,005 adults aged 18+ in the U.S., featuring 313 benefits eligible Americans working full time or part time.

3.2024年1月22日至23日，在益普索综合在线平台上，对1005名18岁以上的美国成年人进行了Voya金融消费者洞察与研究调查，共有313名符合条件的全职或兼职美国人受益。

4. Voya Financial Consumer Insights & Research survey conducted June 12-13, 2023, on the Ipsos eNation omnibus online platform among 1,004 adults aged 18+ in the U.S., featuring 483 Americans working full time or part time.

4.2023年6月12日至13日，在益普索综合在线平台上，对美国1004名18岁以上的成年人进行了Voya金融消费者见解与研究调查，调查对象为483名全职或兼职美国人。

About Voya Financial®

关于Voya Financial®

Voya Financial, Inc. (NYSE: VOYA), is a leading health, wealth and investment company with approximately 9,000 employees who are focused on achieving Voya’s aspirational vision: Clearing your path to financial confidence and a more fulfilling life. Through products, solutions and technologies, Voya helps its 15.2 million individual, workplace and institutional clients become well planned, well invested and well protected.

Voya Financial，Inc.（纽约证券交易所代码：Voya）是一家领先的健康、财富和投资公司，拥有约9000名员工，致力于实现Voya的理想愿景：扫清通往财务自信和更充实生活的道路。通过产品、解决方案和技术，Voya帮助其1520万个人、工作场所和机构客户得到精心规划、良好投资和良好保护。

Benefitfocus, a Voya company and a leading benefits administration provider, extends the reach of Voya’s workplace benefits and savings offerings by engaging directly with over 12 million employees in the U.S. Certified as a “Great Place to Work” by the Great Place to Work® Institute, Voya is purpose-driven and committed to conducting business in a way that is economically, ethically, socially and environmentally responsible.

Benefitfocus是Voya的一家公司，也是领先的福利管理提供商，通过直接与美国1200多万名被Great Place to Work®Institute认证为“伟大的工作场所”的员工接触，扩大了Voya的工作场所福利和储蓄服务的范围。Voya是一家目标驱动型公司，致力于以经济、道德的方式开展业务，对社会和环境负责。

Voya has earned recognition as: one of the World’s Most Ethical Companies® by Ethisphere; a member of the Bloomberg Gender-Equality Index; and a “Best Place to Work for Disability Inclusion” on the Disability Equality Index. For more information, visit voya.com. Follow Voya Financial on Facebook, LinkedIn and Instagram..

Voya被Ethisphere评为：世界上最具道德感的公司之一®；彭博社两性平等指数成员；以及残疾平等指数上的“残疾包容最佳工作场所”。有关更多信息，请访问voya.com。在Facebook、LinkedIn和Instagram上关注voya Financial。。

Ansel Services is a third-party administrator that performs certain administrative functions for the insurance company. It is not affiliated with the Voya® family of companies.

Ansel Services是为保险公司执行某些管理功能的第三方管理员。它不隶属于Voya®家族公司。

Group Limited Benefit Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies and it is not available in all states. For more information, please contact a Voya representative.

集团有限福利保险由信实人寿保险公司（明尼苏达州明尼阿波利斯市）承保，信实人寿保险公司是Voya®公司家族的成员，并非在所有州都有。欲了解更多信息，请联系Voya代表。

About Ansel Health Inc.

关于Ansel Health Inc。

Founded in 2019, Ansel Health Inc. (“Ansel”) is an insurance technology company on a mission to build a world where health hardships don’t create financial hardships. Their new type of supplemental health insurance plan covers 13,000+ conditions and pays cash benefits upon diagnosis of a covered condition with no accident or hospitalization requirements.

安塞尔健康公司（Ansel Health Inc.）成立于2019年，是一家保险技术公司，其使命是建立一个健康困难不会带来经济困难的世界。他们的新型补充健康保险计划涵盖13000多个条件，并在诊断出覆盖条件后支付现金福利，无事故或住院要求。

Ansel is made available in partnership with established insurance carriers that insure tens of millions of Americans and their families. For more information, visit joinansel.com and follow us on LinkedIn..

Ansel与已建立的保险公司合作，为数千万美国人及其家人提供保险。有关更多信息，请访问joinansel.com并在LinkedIn上关注我们。。

VOYA-EB

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