A Better Understanding

Hospital indemnity coverage provides cash benefits paid directly to you when certain covered medical services are used.

 

In addition to hospital stays, many plans include benefits for emergency room visits, urgent care, physician services, ambulance transportation, skilled nursing care, therapy, and other covered services.

 

Benefits are paid directly to you regardless of what your primary medical insurance covers and may be used at your discretion to help with out-of-pocket medical costs or everyday expenses during recovery.

 

Some policies may also include non-medical support benefits such as travel assistance or pet boarding when a covered event results in hospitalization or extended care or treatments.

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Coverage and benefit amounts vary by plan and can often be built to your needs.

This is an indemnity policy that is designed specifically to provide lump-sum cash benefits directly to you for covered diagnoses of cancer, heart attack, or stroke. Coverage may be purchased as a single policy or combined.

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Benefits are paid directly to you and may be used at your discretion in ways that matter most to you and your family.

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Whether that means supporting household needs during recovery from a heart attack or stroke.

 

Allowing greater personal choice and comfort during cancer treatment or where for others facing a more advanced cancer diagnosis, it may provide the freedom to prioritize personal goals such as meaningful travel or time with loved ones without added financial stress.

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Coverage details and benefit amounts vary by policy. Some policies reset and continue.

Critical illness coverage is designed to provide a lump-sum cash benefit directly to you if you experience a covered serious medical condition.

 

Depending on the policy, coverage will include a broader range of conditions beyond cancer, heart attack, and stroke.

 

When a covered diagnosis occurs, the benefit is paid directly to you, regardless of what your primary medical insurance covers.

 

This flexibility allows funds to be used at your discretion whether to help manage household expenses during recovery, cover out-of-pocket medical costs, arrange travel for care, or allow time away from work to focus on health and family.

 

Covered conditions, benefit amounts, and policy terms vary by plan.

This type of coverage may be appropriate for individuals or families seeking protection against major, unexpected medical events, particularly those without comprehensive major medical insurance or those looking for catastrophic-style coverage.

 

Benefits are designed to be paid directly to the medical provider for covered events, helping address significant medical costs.

 

This coverage is not a replacement for comprehensive health insurance and is subject to policy terms and limits.

Accident indemnity coverage is designed to pay cash benefits directly to you if you experience a covered accidental injury.

 

Depending on the policy, benefits may be paid based on the following:

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It can include payments for emergency care, physician services, ambulance transportation, hospital stays, surgery, therapy, or follow-up care.

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OR

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The benefit may be paid based on the specific injury or body part affected, with predetermined benefit amounts outlined in the policy schedule.

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OR BOTH

Depending on policy design or combination

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Benefits are paid regardless of what your primary medical insurance covers and may be used at your discretion.

 

Coverage details and benefit amounts vary by policy.

Designed to help replace a portion of your income if you are unable to work due to a covered illness or injury.

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Benefits are typically paid directly to you after a waiting or elimination period and continue for a defined benefit period, as outlined in the policy.

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These payments can be used at your discretion to help manage everyday living expenses such as mortgage or rent, utilities, groceries, or other household obligations during a temporary or extended time away from work. Usually up to 2 years.

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This coverage may be suitable for self-employed individuals and small business owners who do not have access to employer-provided disability benefits.

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Coverage length, terms, benefit amounts, and eligibility requirements vary by policy.

Home health care coverage helps support recovery at home by providing benefits for covered in-home care services, allowing individuals to remain in a familiar setting while receiving needed assistance.

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Home health care coverage is designed to help with the cost of covered care services provided in the home following an illness, injury, or medical event.

 

Depending on the policy, benefits may apply to services such as skilled nursing care, therapy, home health aides, or assistance with daily activities during recovery.

 

Benefits may be paid directly to you or to the provider, as outlined in the policy, and can help manage costs when care is needed outside of a hospital or facility.

 

Coverage details, service limits, and benefit amounts vary by plan.

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Short-term care coverage helps support the cost of covered care services for a limited time following an illness or injury.

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Short-term care coverage is designed to help with the cost of covered care services needed for a limited period following an illness, injury, or medical event.

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Depending on the policy, benefits may apply to care received in the home, an assisted living setting, or a skilled nursing facility.

 

Benefits may be paid directly to you or the care provider, as outlined in the policy, and are intended to support recovery or transitional care rather than long-term custodial care.

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​Coverage terms, benefit amounts, and duration vary by plan.

Long-term care coverage helps support access to ongoing care services over an extended period, providing flexibility in where and how care is received as needs change.

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Long-term care coverage is designed to help with the cost of extended care services needed when an individual can no longer independently perform certain daily activities due to aging, illness, injury, or cognitive impairment.

 

Depending on the policy, benefits may apply to care received at home, in an assisted living facility, adult day care, or a skilled nursing facility.

 

Benefits are typically triggered by the inability to perform specific activities of daily living or by cognitive impairment, as defined in the policy.

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Coverage terms, benefit amounts, and care settings vary by plan.

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