Hospital Insurance
As the health insurance industry endures major changes, it has become more apparent that insurance alone doesn't always cover all costs that arise as a result of an accident or sickness. Hospital Indemnity Insurance can help you deal with the financial exposure that an illness or accident can bring. Hospital Indemnity Insurance can help by paying you a daily benefit for the days you are confined in a hospital. This benefit can be used for expenses you may incur while confined, including deductibles and copayments. Hospital Indemnity Insurance also pays a daily benefit for ER visits, physician office visits, ambulance rides, surgeries, and diagnostic x-rays and lab tests. These benefit payments can be used to offset any expenses incurred as a result of your accident or sickness, so you can focus on getting well.

Highlights:
  • Accident & Sickness Hospital Indemnity Plan (Hospital Indemnity Insurance)
  • Coverage includes a daily in-hospital benefit ranging from $200 - $1,000 per day
  • Cash payments for ER visits, physician office visits and ambulance rides
  • Also includes cash payment for surgeries and diagnostic x-rays and lab tests
  • These cash payments are regardless of other insurance coverage
  • There is no waiting period to receive benefits
  • Annual max benefit for in hospital benefits levels range from $2,500 - $25,000
Benefit Details:

Below you will find a chart detailing the cash benefits you will receive using your Hospital Indemnity Insurance, based on your membership level. These cash benefits are the amount you will be paid per day for each accident or sickness occurrence. You will receive these cash payouts based on your membership level until you hit your annual max of occurrences per benefit, or your overall annual max benefit amount.

Membership Level
Benefit(a) Annual Max $2,500 $5,000 $7,500 $10,000 $15,000 $25,000
Dr Visit 3(b) $25 $30 $35 $40 $45 $50
Emergency Room 2 $100 $175 $250 $375 $400 $500
In Hospital 7 days(c) $200 $350 $500 $650 $800 $1,000
Surgery 4(d) $200 $350 $500 $650 $800 $1,000
Ground Ambulance 2 $200 $350 $500 $650 $800 $1,000
Air Ambulance 1 $1,000 $1,500 $2,000 $3,000 $4,000 $5,000
Diagnostic X-Ray & Labs 1 $100 $175 $250 $375 $400 $500
Advanced Diagnostic Tests 1 $200 $350 $500 $650 $800 $1,000
In Hospital Max Annual Benefit - $2,500 $5,000 $7,500 $10,000 $15,000 $25,000
  1. In Hospital benefits are per day. Emergency Room and Dr. Visits benefits are per visit. Ground and Air Ambulance benefits are per trip. Surgery benefits are per procedure. Advanced Diagnostics and Diagnostic X-Ray & Lab benefits are per test.
  2. Doctor visits include primary, specialist and urgent care physicians.
  3. Limit 7 days per confinement. Annual maximums apply. 1 day of non-confinement required between unique illness/accident confinements.
  4. Surgery benefit includes 2 in-patient and 2 out-patient procedures for a total allowance of 4 covered surgeries.

How to use:
  • To file a claim for Hospital Indemnity Insurance, call us at (855) SURE-MED (787-3633)
  • Call us at (855) SURE-MED with any other questions you may have
Exclusions:
  • Preventative care is not covered under any benefits.
  • X-rays and labs are not covered while confined in the hospital.
  • Benefits are not paid for a sickness resulting from a member's pre-existing condition if the sickness occurs within the first 12 months of the policy. A pre-existing condition means that in the 6 months before you become insured under the policy, medical advice, treatment or care was sought or recommended by, prescribed by or received from a Physician.
  • Normal pregnancy is not covered, however, complications of pregnancy are covered.
  • Benefits do not cover illness or injuries related to drug use, intoxication, illegal acts or acts of self-harm.
  • Benefits do not cover illness or injuries related to acts of War or active military duty.
  • For a full list of limitations and exclusions, please click here for the sample Description of Benefits
Disclosures:
  • All benefits are per day. The same benefit cannot be received more than once within one day.
  • An ER visit due to an accident must occur within 24 hours of accident causing injury.
  • Any treatment due to an accident must occur within 30 days of accident causing injury.
  • Hospital Indemnity Insurance is not available to residents of CO, KS, LA, MA, MD, ME, MN, NC, NH, NJ, NY, SD, UT, VT, WA and WV
  • Hospital Indemnity Insurance benefits terminate at age 90 in all states except CA. In CA, Hospital Indemnity Insurance benefits terminate at age 65.
  • This is a group insurance policy issued to American Better Health Organization, Inc., and benefits are provided to members of the association.
  • This information is a brief description of the important features of the Accident & Sickness Hospital Indemnity Insurance plan. It is not an insurance contract. Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products underwriting companies and not by the parent company itself.
  • The Accident & Sickness Hospital Indemnity Insurance plan provides limited benefits on a fixed indemnity basis. It does not constitute comprehensive health insurance coverage (often referred to as "major medical coverage") and does not satisfy a person's individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to http://www.HealthCare.gov.


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