Hospital indemnity coverage
Receive cash benefits for hospital-related expenses that fall outside the coverage provided by traditional health insurance.
Plan features
Unexpected or extended hospital stays can threaten the financial security you and your family depend on. The Secure Hospital Indemnity Plan helps with expenses not covered by health insurance. Important coverage features include:
Cash benefits on day one
$50 per day for day one through day three.
Benefits continue and increase
$200 per day for day four through day 365. Day of discharge included.
Higher starting benefit for accidents
$200 daily starting on day one when hospitalized due to an accident.
Double benefits when in ICU
$200 benefit doubles to $400 per day when you are admitted in intensive care or a coronary care unit within a hospital.
Use cash benefits for anything
Cash benefits are paid directly to you to spend as you choose, including gas, meals, lodging for family, babysitters and more.
Coverage for dependents
Includes unmarried dependents by birth or adoption to age 23, and unmarried dependents incapable of self support. See contract for details.
Simple claim filing
Ask the hospital for an itemized statement of your stay and submit it with your Hospital Indemnity Plan Claim Form (pdf).
Easy to apply
No medical exam is required and there are no health questions to answer. Acceptance is guaranteed.
Plan details
The Secure Hospital Indemnity Plan (S-HIP) pays cash if you are hospitalized.
- Receive $50 per day (day one to three)
- Receive $200 per day (day four to 365)
- Higher starting benefit for accidents
- Pays double benefits when in ICU
- The first 365 days of a hospital stay after the date this coverage becomes effective for the insured, if that particular hospital stay was in progress on the date this coverage became effective for the insured.
- Any portion of a hospital admission that is primarily for skilled nursing care (including swing beds) rather than acute.
- Admissions for the primary purpose of performing acupuncture.
- Admissions for dental care.
- Admissions that are not medically necessary.
- Inpatient skilled care, intermediate care, convalescent care, custodial/maintenance care or rest care.
- Admission to rehabilitation facilities (not acute care).
There's a standard waiting period for pre-existing conditions. If you seek or receive diagnosis, treatment or advice about a condition in the 90 days prior to the date your coverage begins (your effective date), the waiting period is 365 days before that pre-existing condition is covered.
Available to Kansas residents (not living in Johnson or Wyandotte counties).
What are the plan rates?
Rates ranging from $3.23 - $19.00 per month.
Are dependents eligible for coverage?
Yes. Unmarried dependents by birth or adoption to age 23, and unmarried dependents incapable of self support are eligible. See contract for details.
When can you enroll?
You can enroll at any time. No qualifying life event is required, and enrollment is not limited to a certain time of the year.
Cancer Plan
Additional coverage options
Health
Coverage for routine care, prescriptions, and unexpected medical needs, giving you peace of mind when it matters most.
Dental
From cleanings to crowns, our plans help cover routine and major dental care, so you can keep your smile healthy.
Life
Protect what matters most by helping give your family financial security for whatever life brings.
Questions?
We are here to help. We respond to all requests via phone within two business days. If you email, please leave a daytime phone number and the best time to reach you.
Disclaimers
IMPORTANT: This is a fixed indemnity policy, NOT health insurance.
- This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- See Individual and Family Plans or call 1-866-906-5253 (TTY: 711) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.