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Hospital Indemnity Insurance

The purpose of a hospital indemnity plan is to protect your client’s savings from out-of-pocket costs that their Medicare or Medicare Supplement plan will not cover. If you’re not sure how your clients can utilize a hospital indemnity plan then click on the button below for details. To see what carriers offer a hospital indemnity product, click on the tabs listed below for a brief overview of each plan.

WHAT IS A HOSPITAL INDEMNITY PLAN?

 

Click on the tabs below to see the different plans from insurance providers!

  •  
    • State Availability: AL, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
    • Issue ages: 40-85
    • Guarantee Issue ages 64 ½ to 65 ½ (in most states)
    • Two Benefit Options Available
      • Lump Sum Benefit
        • Covers hospital confinement and hospital observation
        • 1-day benefit from $1000 - $2500
      • Daily Hospital Benefit
        • Covers hospital confinement and hospital observation
        • Benefit is paid each day of confinement in $10 increments up to $750
        • Benefit periods: 3, 6, 10, or 21 day benefit period
      • Benefits restore after 60 days of no hospital confinement
      • Short stay of 12-24 hours is included in 3 and 6 day period
      • Mental Health Benefits
        • Policy will pay $175 per day for up to 7 days if client is confined in a hospital for a mental or nervous disorder
      • Emergency Room benefits
        • Benefit will pay $150 if you are admitted to the hospital within 24 hours following an emergency room visit
    • Optional Riders*
      • Cancer Lump Sum Benefit
      • Skilled Nursing Facility Benefit
      • Ambulance Benefit
      • Dental and Vision Benefit
      • Short Duration Hospital Stay (for 10 and 21 day benefit)
      • Lump Sum Hospital Benefit
      • Outpatient Surgical Benefit
      • Dental Vision Benefit Rider
    • Pre-existing conditions are not covered unless the loss is more than six (6) months after your effective date of coverage

    *plan benefits and riders vary by state


  •  
    • CLI Hospital Indemnity State Availability: KS, MN, VT
    • CLI Hospital Indemnity Flex State Availability: AL, AR, AZ, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, WI, WV, WY,
    • Issue ages: 18-89
    • Two Benefit Options available*
      • Option 1: Lump Sum Benefit
        • Able to use one time, per period of care, in $250 increments up to $2500
      • Option 2: Daily Benefit
        • Benefit is paid each day of confinement in $10 increments up to $700
        • Benefit periods: 3 - 10 or 20 days
        • Observation stays for less than 24 hours will pay 50%
      • Both benefits reset after 60 continuous days without requested medical care from a hospital or skilled nursing facility.
    • Optional Benefit riders*
      • Nursing Facility
        • $10 increments up to $200, and can chose between 1-20, 21-100, or 1-100 days
      • Doctor Office Visit
        • $10 increments up to $60 per visit and 20 visits per year
      • Outpatient Surgical Procedure
        • Available in $250 increments up to $1500 per procedure, once a policy year
      • Hospital Emergency Room Visit or Ambulance Service
        • For a medical emergency $200 per visit or service is provided up to two (2) times per policy year
      • Lump Sum Cancer
        • Benefit will pay a lump sum for first occurrence of cancer, with plans of: $2500, $5000, & $10,000 once per life
      • Outpatient Rehab
        • Will pay for each day of therapies, in plans of 15 or 30 visits per year, and $50 per visit
      • Pre-existing conditions are not  covered for any condition for which the insured has been medically diagnosed, treated by, or sought advice from, or consulted with, a physician during the six (6) months before the coverage effective date.
     

    *plan benefits and riders vary by state


  •  
    • State Availability: AL, AK, AZ, AR, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, WY
    • Issue Ages: 50-85
    • Benefit Plans Available
      • Option 1*
        • Hospital confinement
          • Daily benefit of $100-$450 in increments of $25
          • Benefit option of 6 or 10 days
        • Second Opinion Benefit
          • Benefit pays $50
      • Option 2*
        • Hospital confinement
          • Daily benefit of $100-$450 in increments of $25
          • Benefit option of 6 or 10 days
        • Second opinion benefit
          • Benefit pays $50
        • Observation room
          • Benefit pays $100/day for days 20-100
        • Skilled nursing facility
          • Benefit pays $100 for days 21-100
      • Option 3*
        • Hospital confinement
          • Daily benefit of $100-$450 in increments of $25
          • Benefit option of 6 or 10 days
        • Second option benefit
          • Benefit pays $50
        • Observation room
          • Benefit pays $100/day for days 20-100
        • Skilled nursing facility
          • Benefit pays $100 for days 21-100
        • Hospital admission
          • Benefit option amounts: $250, $500, or $750
        • Ambulance transportation
          • Benefit pays a $150 lump sum benefit 
        • Emergency room treatment
          • Benefit pays a $50 lump sum benefit
    • Additional Riders*
      • Accident fixed indemnity
      • Specified disease
      • Lump sum cancer and recurrence
      • Lump sum heart attack, stroke and restoration
    • Renewable for life
    • Maximum of four hospital confinements/person/calendar year
    • No Coverage on injury or illness that occurred within 12 months of the effective date for the Indemnity plan
     

    *plan benefits and riders vary by state


  •  
    • State Availability: AK, AL, AR, AZ, CA, GA, GU, IA, IL, IN, KY, LA, ME, MI, MO, MS, NC, ND, NE, NM, NV, OK, PR, SC, SD, TN, TX, UT, VA, VI, WI, WV, WY
    • Issue Ages: 18-64
    • Hospital Secure Benefit Options*:
      • Plan A
        • Hospital Confinement Benefit: $1000, $1500, $2000, or $2500
        • Can choose optional riders
      • Plan B
        • Hospital Confinement Benefit: $1000, $1500, $2000, or $2500 per day
        • Outpatient surgical benefit
          • $100 per day
        • Doctor office visit benefit
          • $30 per day
        • Emergency room benefit
          • $100 per day
        • Emergency travel benefit
          • $200 per day when emergency occurs more than 100 miles from the insured person’s residence
        • Can choose optional riders
    • Optional Riders*
      • Hospitalization Daily Benefit Rider
        • $100, $200, or $300 per day of confinement
      • Pet Boarding Benefit Rider
        • $30 per day, up to 14 days
     
    This plan is for clients UNDER the age of 65 looking for a cash benefit to help cover their deductible or other out of pocket costs associated with recovery in the hospital.
     

    *plan benefits and riders vary by state


  •  
    • State Availability: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
    • Issue Ages: 40-85
    • Benefit Options
      • Daily Benefit of $100-$600 in increments of $25
      • Choose periods of 6, 7, 8, 9, 10, 21, or 31 days
    • Additional Benefits*
      • Observational Unit Benefit
        • This plan pays 100% of Hospital Confinement Benefit amount per day for a maximum of 6 days, per policy year, while in a hospital observation unit
      • Emergency Room Benefit
        • This benefit pays $150 per day when admitted to the hospital within 24 hours of the injury for a maximum of 4 days per policy year
      • Transportation and Lodging
        • This pays $100 per day, up to 10 days per policy year, when receiving treatment within a medical facility more than 50 miles from the insured’s residence
      • Inpatient Mental Health Benefit
        • This benefit pays $175 per day of confinement in a hospital due to a mental or nervous disorder, covered for up to seven days during the policy year
    • Optional riders*
      • Ambulance or Urgent Care Services
      • Cancer Diagnosis
      • Outpatient Surgery
      • Outpatient Therapy and Chiropractic
      • Skilled Nursing Services
      • Lump Sum Cancer
      • Urgent Care Center
    • 7% Household Discount

    *plan benefits and riders vary by state


  •  
    • State Availability: AL, AZ, AR, CO, GA, IL, IN, KS, LA, MS, MO, NE, NV, OK, SC, TN, TX, UT, WY, FL
    • Issue Ages: 18-85
    • Guarantee issue ages 64 ½ to 65 ½ (in most states)
    • Secure Advantage Benefit Options*
      • Daily Benefit of $100-$500 a day
        • Choose a benefit period of 1 – 10, 15, 20, or 31 days
      • Benefits restore after being out of the hospital for 30 consecutive days
    • Observation Unit Benefits
      • The benefit will pay the observation unit indemnity for each day the services in an observation unit due to sickness or injury
    • Emergency Room (ER) Benefits
      • The ER plan will pay the benefit for each period of care received in an emergency room or hospital affiliated emergency care due to sickness or injury
    • Optional Riders*
      • Lump Sum Cancer Benefit
      • Ambulance Rider
      • Lump Sum Hospital Confinement Benefit
      • Lump Sum Outpatient Surgery Benefit
      • Skilled Nursing Facility Benefit
      • Wellness Benefit
      • Dental, Vision, and Hearing Benefit
    • 7% household discount

    *plan benefits and riders vary by state


    • State Availability: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KY, MA, MI, MS, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, WV, WY
    • Issue Ages: 18-65
      • After the initial term, your coverage can be renewed until the client is 95 years old.
    • Vantage Flex 65 Benefits*
      • Daily Benefit of $100-$1500 a day
        • Choose a benefit period of 1, 5, 10, or 15 days
        • Maximum period of confinements per policy year is two
    • Optional benefit riders*
      • Daily Outpatient General Radiology Service
      • Daily Outpatient Major Diagnosis Exam
      • Daily Emergency Care
      • Daily Outpatient Surgical Procedure
      • Daily Durable Medical Equipment Benefit
      • Daily Ambulance Benefit
      • Daily Skilled Nursing Facility Confinement
      • Daily Cancer Diagnosis
      • Daily Observation Unit Confinement Benefit
    • 5% household discount
     

    *plan benefits and riders vary by state