Accessible Health Coverage

A hospital indemnity policy is a type of policy that supplements health insurance polices. the beneficiaries pay a small monthly premium, based off of their age, geographic location, and health (if underwriting is required). The indemnity pays the beneficiary a predetermined sum of money that they are able to use to cover medical bills, copays, deductibles, and other expenses. 

After getting set up with a HIP; if a patient goes to the hospital, then all they have to do is file a claim and, if accepted, the policy will mail them a check that they would be able to use to cover medical expenses. 

Hospital indemnity policies can cover a multitude of services as long as you pay a related premium to have them covered. These related premiums are known as "riders" and you can get riders for some of the following services:

• Hospital Confinement
• Surgeries
• Emergency Room/ Urgent care
• Outpatient Diagnostic Services
• Ambulance Rides
• Cancer treatments
• + Much More