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Hospital Indemnity Plan (HIP)

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 $2,379*. 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	5 days*
Bypass surgery or cardiac catheterization	8 days*
Premature birth	3-9 days*
* based on BCBSKS 2004 claims data, actual number of days will vary depending on each person's medical condition.

Exclusions

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