Hospital Indemnity Insurance

If you're looking for an extra solution to enhance your current health insurance coverage for
any possible hospitalization,  physician visits, and surgeries, this may be just what you're looking for.

Why Would I Need This Insurance?

Having health insurance can help protect your hard-earned savings. Hospital Indemnity Insurance can help cover some of the costs associated with hospital care. It can help protect your future, as well as your family's future, with this important coverage. Health insurance is a good way to help pay the costs of medical treatments that may be necessary, but most plans offered today don't pay all the costs if your treatment requires an extended stay in the hospital. Even just a couple of days in the hospital could be costly to you. Such things as lost income, medicines and therapies can quickly add up.

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Hospital Indemnity Insurance
Our hospital indemnity insurance, referred to as SHOP (Supplemental Health Options Policy), because it is a plan you build yourself when you "shop" for benefits that help satisfy your individual needs. For an additional premium there are 9 optional riders available in addition to the base plan (may vary by state). The base policy pays a daily benefit for hospital confinement. You "shop" for additional benefits from a list that includes an initial hospitalization, surgical and anesthesia, emergency room accident, inpatient, outpatient, at-home nursing, transportation, accident disability, and specified disease (cancer, heart attack and stroke) disability benefits. Simplified underwriting makes applying for coverage easy.

Please note that these type of plans are NOT intended to replace your major medical plan, but will enhance them.

You should consider Hospital Indemnity Insurance if: