Hospital Indemnity Insurance

A hospital stay can be stressful, particularly if your clients worry about out-of-pocket costs. Hospital Indemnity coverage can compliment the insured’s major medical plan, helping with some of the co-pays, deductibles or coverage limits they would otherwise be responsible for.

Where It Fits: Clients looking to fill gaps in their Medicare / individual healthcare coverage.
Aetna’s Hospital Indemnity Flex:

  • Issue Ages of 18 – 89
  • Lump Sum Hospital Admission Benefit Amounts: $250 – $4,000 (increments of $250)
  • Daily Hospital Confinement Benefit Amounts:
    • $10 to $1,000 (increments of $10)
    • 3, 4, 5, 6, 7, 8, 9, 10 or 20 Days
    • Lifetime Maximum of 365 Days
  • Guaranteed Renewable for Life
  • Benefit paid directly to client
  • Optional Riders Include:
    • Ambulance or Hospital Emergency Room Visit
    • Lump Sum Cancer
    • Outpatient Surgical Procedure
    • Outpatient Rehabilitation
    • Doctor’s Office Visit
    • Daily Skilled Nursing Facility Care

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

GTL’s Hospital Indemnity ELITE:

  • Issue Ages of 40 – 85
  • Guaranteed Issue for ages 64½ to 70 in most states
  • Benefit Amounts:
    • 1 Day: $1,000 – $2,500
    • 3, 4, 5, 6, 7, 8, 9, 10 or 15 Days: $100-$990
  • Automatically Includes:
    • Short Duration Hospital Stay Benefit
    • Mental Health Benefits
    • Emergency Room Benefits
  • Optional Riders Include:
    • Skilled Nursing Facility (choose one of two options)
    • Ambulance Benefit Rider
    • Cancer Lump Sum Benefit Rider
    • Outpatient Therapy Benefit Rider
    • Outpatient Surgical Benefit Rider
    • Guaranteed Purchase Option Benefit Rider including Wellness Rider
    • Critical Accident Benefit Rider
    • Lump Sum Hospital Benefit Rider
    • Dental and Vision Benefit Rider
  • $20 Annual Policy Fee
  • Simple Claims Process
  • Guaranteed Renewable for Life

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

ManhattanLife’s Hospital Indemnity Select:

  • Issue Ages: 18 – 89
  • Guaranteed Issue for ages 64½ to 70
  • Guaranteed Renewable for life
  • Benefits Available Immediately
  • Competitive Rates that do not increase as your client ages

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.