Hospital Indemnity Plan (HIP) Benefits Details

Apply Now Need extra cash while hospitalized?

You receive $100 per day after your third day of covered hospitalization. So, starting on Day 4, you'll receive $100 for each day you're hospitalized –– for a full 365 days of benefit coverage! You can use the cash for anything you want to, and it pays in addition to any other coverage you already have.

Benefits start on Day 1 for hospitalization from an accident

    If you're hospitalized as a direct result of an accident, your cash benefits start on Day 1. It's a convenient and helpful boost to get you through a period when you had no time to plan for your hospitalization.

Receive double-benefits for intensive care

    You'll receive double benefits –– $200 per day –– while in an intensive care or a coronary care unit within an acute care section of a licensed general hospital.

Affordable, attractive premiums... and easy payment!

    Premiums for HIP coverage are affordable and make sense when you consider that the average cost per day in a Kansas hospital is more than $1,292*. When you factor in the average hospital stay in Kansas for many of the procedures listed below, you can see HIP is a great cash value!

Average Hospital Stays:

Respiratory infections or pneumonia 6.5 days*
Bypass surgery or cardiac catheterization 7 days*
Kidney and urinary tract infections 9.5 days*
* based on BCBSKS 2009 claims data, actual number of days will vary depending on each person's medical condition.

Exclusions

  • The first 365 days of coverage for a condition if diagnosis, treatment or advice is received 90 days prior to the effective date.
  • The first three days of each admission that is not the result of an accidental injury, and those days beyond the 365th day of each admission.
  • Admissions to skilled nursing facilities or to any type of nursing home; any portion of a hospital admission that is primarily for skilled nursing care rather than acute care (such as skilled nursing days in a room that can be classed by the hospital as acute care or skilled nursing care, dependent upon need.)
  • Admissions for the primary purpose of performing acupuncture.
  • Admissions for dental care.
  • Services that are not medically necessary, except that court-ordered services are covered to the extent the service would otherwise be covered.
  • Any admissions for which you are not legally obligated to pay or which is covered for you under federal (other than Medicare or Medicaid), state or local laws.
  • Admissions for or related to a nervous or mental condition. This includes alcohol and substance abuse admissions.

 

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