Hospital Indemnity Plans

Hospital Indemnity Plans

The average hospital stay is 4.5 days, and the average hospital bill is $11,259.*

*Source: Agency for Healthcare Research and Quality (AHRQ). Healthcare Cost and Utilization Project (HCUP),
National (Nationwide) Inpatient Samples (NIS) 2006-2015 (all available data as of 11/20/2017)


Hospital Indemnity Plans

The ever increasing health care costs, coupled with the economic pressures of today, have forced employers to examine solutions that reduce the cost of their employee health plans. Hospital Indemnity Plans offer affordable solutions to employers who are moving to High Deductible comprehensive medical plans, or HSA Plans. These HI plans provide a fixed daily benefit amount to the insured employees, or their service providers, that can significantly help them with their out of pocket medical expenses.

Plan designs can include daily indemnity benefits for these Medical Service Categories:

  • Hospitalization coverage of up to $1,500 per day
  • Hospital Admission benefit up to $1,500
  • Outpatient treatment benefits up to $1,000
  • Intensive Care benefits up to $1,000
  • Out Patient Accident benefits of up to $500 per visit

These exceptionally flexible benefit plans can be tailored to meet the diverse needs of benefit eligible employees. They can be customized to create rich HSA compatible plans.

We can show you how to turn your company’s ACA equivalent Bronze Level medical coverage to Gold or Platinum equivalent coverage with our Hospital Indemnity plans.



Plan Highlights

  • Guaranteed Issue
  • No underwriting
  • No pre-existing condition, except pregnancy in some states
  • No deductible
  • Custom designed plans and enrollment options
  • Low-to-no administration required
  • Voluntary or employer-paid
  • Actively at work a minimum of 15 hours per week and 30 days of service
  • Issued Groups down to 5 employee participation
  • Full English/Spanish enrollment services if needed