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Hospital Indemnity Insurance- Individual Voluntary Benefits
 

Hospital Indemnity Insurance offers extra protection should you or a family member become hospitalized. Your current health insurance may not cover all of your hospital expenses, resulting in the rapid accumulation of your deductible, co-pays and other non-covered expenses.

  

Individual Voluntary Benefits
Hospital Indemnity Insurance

Recently, co-insurance minimums and out-of-pocket deductibles have surged. This has forced employers (and subsequently, their employees) to seek voluntary supplemental products. A hospital Indemnity product can be part of a long-term solution.

Even those people with regular medical insurance may have trouble meeting the unexpectedly high costs that often accompany hospitalization. There may be expensive deductibles and other initial out-of-pocket expenses to pay before contributions from regular medical coverage begin. These charges can add up quickly, particularly in the face of a serious or lengthy medical condition. A hospital Indemnity policy can help cover deductibles, co-insurance and other expenses for hospital stays.

Advantages for Covered Employees
  • Base plan policy may be approved for Health Spending Accounts (HSA's)¹
  • Helps reduce burden of out-of-pocket expenses associated with hospital stays
  • Pays in addition to other insurance
  • Coverage available for spouse & children
  • Policy can be continues if an employee changes jobs
  • Benefits paid directly to insured or to specified party
Base Plan Key Benefits
  • Guarantee Issue available if specific requirements are met
  • Disability due to Pregnancy covered²
  • May be approved as part of an employer's Section 125 plan¹
  • Issue ages 16-69 (In California through age 64)
  • Flexible waiting and benefit periods
Optional benefit riders may be added to the policy, for an additional premium, that include:
  • Intensive Care
  • Specified Injury
  • Private Duty Nurse
  • Hospital Injury
  • Lump Sum Payment
  • AD&D
  • Outpatient Sickness
  • First Hospital Confinement
  • Emergency Accident
  • Surgical Plus (includes anesthesia, mammography & pap smear)
This is not a contract insurance. This coverage contains certain exclusions and limitations as well as terms under which such coverage can be continued or discontinued. Terms and conditions are set forth in the individual policy issue by Professional Insurance Company (in California, PIC Life Insurance Company). Plans may vary by state and are not available in all states

¹ Contact your licensed tax professional
² See policy for specific limitations on coverage
*In California, PIC Life Insurance Company

Underwritten by Professional Insurance Company (In California, PIC Life Insurance Company)



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