Hospital Confinement is an individual insurance policy which pays supplemental daily inpatient hospital and related benefits directly to the insured, regardless of other coverages. Coverage is available to employees and their families. A choice of indemnity amounts is available to allow the insured to select a plan to fit their needs and budget.
| Hospital Indemnity |
Choice: $25 (Basic), $50 (Select) or $100 (Ultra) daily benefit for inpatient hospital confinement. Lifetime benefits, no elimination period.
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| Intensive Care or Coronary Care |
Choice: $50 (Basic), $100 (Select) or $150 (Ultra) daily benefit paid in addition to Hospital Indemnity for confinement to ICU/CCU. Coverage begins first day, up to 60 days per confinement.
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| Initial Hospitalization |
$200 per covered confinement. Payable once per calendar year.
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| Emergency Accident |
$50 for emergency room visit. Payable up to 3 times per calendar year.
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| Ambulance |
$50 for transportation to hospital or emergency center. Up to 4 trips per calendar year.
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| At Home Nursing |
$50 per visit by licensed or registered nurse at home within 60 days following covered confinement. One visit per day.
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| Waiver of Premium |
After Primary insured has received hospital confinement benefits for 30 days, premiums are waived for duration of the hospital confinement.
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| Transportation |
$50 transportation for prescribed confinement not available within 75 miles of insured’s residence. Paid in addition to ambulance. Up to 4 trips per calendar year.
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| Accidental Death and Dismemberment |
If loss occurs within 90 days of injury and independent of other cause, pays $2,000 for loss of life; both hands or feet; one hand and one foot; sight of both eyes; or one hand or foot and sight of one eye. $1,000 for loss of one hand; one foot; or sight of one eye.
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| Guaranteed Renewable |
Lifetime
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| Issue Ages |
Under 65
If purchased prior to age 65, coverage may be continued after 65.
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| Available Plans |
Individual and Family
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| Pre-existing Limitations |
Applies during first 12 months for pre-existing conditions treated, for which received medical advice or took prescribed medication within 12 months prior to effective date of coverage.
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| Pregnancy |
No benefits until after 10 months. Complications covered same as any other illness unless pre-existing.
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Additional details will be provided upon request.
DISCLAIMER: This is a brief description of the products offered by USAble Life. These descriptions are for informational purposes only. Products and provisions described may not be available in all states. Specific provisions may vary by state. The policy contains a complete description of benefits, provisions, limitations and exclusions. In the event of a conflict between this description and the policy, the policy will prevail.