Indemnity Plans

HIP - Hospital

Hospital Copay Plan

Helps pay the daily hospital copays that come with many Medicare Advantage plans.

• Typical benefit: $400 per day, up to 3 days
• Customizable if needed

STC - Short Term Care

Facility & Home Healthcare

• Facility Care and Home Healthcare are funded separately, so using one does not reduce the other.
• Benefits can reset: after at least 180 days without needing or receiving care, both benefits can reset once during the policy lifetime.
• 20-day elimination period option costs slightly less than 0-day.

Be unable to perform 2 or more Activities of Daily Living (ADLs) without substantial assistance, or require substantial supervision because of cognitive impairment. A plan of care prescribed by a licensed healthcare provider and approved by a physician is also required.

CHAS

Cancer, Heart Attack & Stroke

Pays a CASH lump sum when a covered cancer event occurs.

• Core plan: $10,000 initial cancer benefit + $10,000 recurrence benefit
• Popular option: $5,000 cancer lump sum + recurrence rider + $5,000 heart attack/stroke rider

The recurrence benefit is a separate benefit for a qualifying recurrence. It does not pay again for every cancer treatment. The amount paid depends on time since last advice or treatment:

Accident Injury

Accident Insurance

Pays CASH when you or a covered family member is injured in a covered accident, paid directly to you or someone you designate. Use it for:

• Deductibles
• Copays
• Other out-of-pocket expenses
• Or anything else you choose

• Guaranteed renewable for life
• Worldwide accident coverage
• No network
• $500/month disability benefit (14-day elimination period)