Our health is something most take for granted – until there is a problem. This policy is a flexible and convenient, group voluntary limited benefit hospital indemnity insurance policy designed to provide participants with benefits to help pay medical expenses associated with common health care needs.  Benefits are predetermined and paid regardless of any other insurance a participant has.  Whether your clients and their insureds want  a plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery, and ambulance transportation, we can build them virtually any plan they need.   Did we mention that benefits are guaranteed acceptance?  No health questions are asked.  No one is denied.


Designed to provide participants with benefits to help with the cost of common health care needs like:

  • in-hospital stays
  • outpatient physician office visits
  • off-the-job accident treatment
  • physical exams and diagnostic tests
  • emergency room visits for sickness
  • daily inpatient drug and alcohol rehabilitation
  • ambulance and daily skilled nursing
  • outpatient diagnostic X-ray and lab tests
  • in-hospital and inpatient surgical procedures and anesthesia
  • prescriptions
  • critical illness and subsequent critical illness expenses
  • intensive care stays
  • daily inpatient mental and nervous rehabilitation


Why Offer Hospital Indemnity?
This policy provides participants valuable benefits which helps business owners provide a positive impact on worker recruitment, increase member retention, improve the health status and productivity of members, and offer a clear and flexible alternative to high-premium, major medical plans.  This policy can provide group hospital indemnity benefits to uninsured members and their eligible family members and is designed for those who are not offered, or simply cannot afford major medical coverage including, full-time, part-time, and recently hired workers.  Created with business owners and its members in mind, this policy provides convenient and dependable indemnity benefits under a group hospital indemnity insurance policy with streamlined flexibility and no co-payments, co-insurance or deductibles, the power to choose health care provider,s and voluntary enrollment.

Our Carriers:
BCBS Tennessee BCBS Texas Aetna Capital Blue Cigna Golden Rule Health Insurance Innovations HighMark BCBS Humana IHC Group IMG Independence Blue Cross Manhattan Life Medico MetLife Molina Mutual of Omaha National General Prudential Starmark/Trustmark Toner TransAmerica United Health One