AIG vs Marsh: How Do They Compare for Employee Health Benefits?

AIG markets Medical Indemnity as a supplemental group health insurance product through its Accident & Health Corporate Risk channel. It complements employer health benefits and does not replace major medical coverage by default. ³Company-reported. Role in this product is limited to the description on the linked AIG source.

Marsh McLennan Agency (MMA) is an employee benefits consulting and brokerage practice: it says it helps translate a client's business goals into a benefits plan, negotiates with carriers, and does not itself insure the plans it places. ⁸Company-reported. MMA employee health and benefits page.

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The reviewed page does not name a specific health or benefits carrier; MMA describes its role as negotiating with multiple carriers on a client's behalf rather than underwriting plans itself. ⁸Not publicly disclosed. MMA employee health and benefits page as read on 2026-09-23.

AIG describes an employer-group supplemental health plan with contributory, voluntary and fully employer-paid options. It is not a comprehensive medical plan catalogue, and the page does not state a complete employer or state eligibility schedule. ³Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.

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AIG describes supplemental benefits tied to covered diagnostic conditions and says benefits are not contingent on accident or hospitalization. It lists more than 13,000 covered conditions on the page; policy definitions and exclusions control. ³Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.

MMA lists group health, absence/disability/life insurance, voluntary benefits and stop-loss solutions for self-funded employers among the programs it helps design and place, alongside non-insurance services like compliance support and pharmacy benefit consulting. ⁸Company-reported. MMA employee health and benefits page, Our Solutions section; a catalogue of services, not a specific plan's terms.

The public product page does not provide the plan schedule or benefit amounts for a particular employer. Confirm amounts, covered conditions and state availability in the employer’s issued certificate and policy. ³Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.

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AIG describes a paperless employer portal, claims integration through partner Ansel and a self-submitted claim process with a benefit determination target within 72 hours after a completed claim. Partner claim integration is not a coverage guarantee. ³Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.

MMA lists a range of services beyond placement, including actuarial services to measure financial exposure, compliance support and oversight from its legal team, HR technology consulting, and Captive Solutions, an alternative risk tool MMA says limits stop-loss policy volatility for its clients. ⁸Company-reported. MMA employee health and benefits page, Our Solutions section.

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MMA says its consultants assess a client's business, cross-reference employee demographics and survey data, and match needs and budget to a range of market plans during plan design; the page describes an advisor-led process rather than an online quote. ⁸Company-reported. MMA employee health and benefits page, What does an employee benefits consultant do? FAQ.