REALTORS® Core Health Insurance Program

NAR is pleased to introduce REALTORS® Core Health Insurance (RCHI). RCHI offers affordable, guaranteed-acceptance, Limited Medical insurance plans exclusively for NAR members aged 18-65.

RCHI Overview
Who Can Benefit
Major Medical vs. Limited Medical

REALTORS® Core Health Insurance (RCHI) provides guaranteed-issue, affordable Limited Medical plans which are exclusively designed and priced specifically for NAR members. Simply put, RCHI provides coverage for your everyday healthcare needs – helping to provide a safety net for people who do not have the luxury of being covered by a comprehensive health insurance plan.

 Benefits and Highlights of RCHI*:

• It’s guaranteed-acceptance** – No medical questions/exams required.
• It’s low cost – Plans start as low as $70.69 per month.
• Three plan types are available (Physician, NAR Value and NAR Platinum)
• You have freedom to choose any provider, with the option of a PPO network, for added savings, in certain states.
• The plans provide assignable benefits – the medical provider bills the insurance company directly.
• Next day coverage is available.
• No contract needed. Plans have a 10-day money back guarantee.
• Benefits include: doctor office visits, wellness visits, emergency room benefits, surgery benefits, a prescription discount card and more!
• Underwritten by United States Fire Insurance Company, rated A (“Excellent”) by A.M. Best

* Subject to limitations and exclusions.
** Based on eligibility (age, member of NAR, and state availability)

 Who Can Benefit?
NAR Members who will benefit from RCHI include those who:

• Cannot afford – or are struggling to afford – major medical (comprehensive) health insurance.
• Have tried to get health insurance and have been turned down.
• Have a pre-existing condition that makes traditional insurance coverage expensive or difficult to obtain, but that is covered by RCHI.
• Have major medical insurance with very high deductibles, and who could use an extra layer of coverage to assist with everyday healthcare costs.

Note: There is a 12-month condition limitation on all hospital or surgical related expenses.

 Major Medical vs. Limited Medical

It is important to understand the difference between Major Medical (comprehensive coverage) and Limited Medical insurance. Major Medical provides catastrophic coverage and high limits of coverage (typically $1 million or more). Limited Medical (RCHI) provides the guarantee of affordable insurance but limits its coverage to everyday illnesses and accidents. In addition, the maximum benefits paid in each medical situation are capped. Unfortunately NAR is unable to offer a group Major Medical plan at this time. For more information on this issue, please click here.

View a short video to learn more about RCHI >

Part of NAR's Right Tools, Right Now Initiative
REALTORS® Core Health Insurance is proud to be a part of NAR's Right Tools, Right Now initiative. For more information, visit www.REALTOR.org/RightTools.