Hospital Insurance
Hospitalization is a complicated time when the priority is to recover. It should not be a situation where you have to worry about medical expenses.
What does our basic policy offer?
- Benefits are paid for overnight hospital stays, emergency room treatment, ambulance transportation and special care, among others.
- There are no network restrictions. That means you will be paid the same amount no matter which hospital you choose.
- Coverage can be for you, your spouse/domestic partner and/or your family.
- The policies are issued to individuals between the ages of 50 and 85.
- Your policy is guaranteed renewable for life, regardless of your age or changes in your health.
- You may purchase riders for an additional premium. Riders provide coverage for unexpected health care costs. We can help you customize your coverage to fit your needs. Riders include:
- Fixed indemnity for accidents.
- Cancer and recurrence with lump sum payment.
- Heart attack, stroke and recovery with lump sum payment.
- Specific disease.
How does your policy work?
- Both you and your spouse or partner and your children will receive benefit payments, regardless of other insurance you may have, if either of you is hospitalized or experiences a hospital-related event due to a covered injury or illness.
- Benefits are paid directly to you and can be used for any purpose, including living expenses.
- This policy offers fixed benefits, which means that you will pay the amount you have previously chosen, regardless of what providers charge.
- There are no deductibles applicable.
- Benefits may be used to cover out-of-pocket medical expenses.
A “hospital” does not refer to a clinic or facility, such as an emergency or special care facility, or a hospital unit that provides rehabilitation, convalescent, custodial, custodial, educational, nursing care for the elderly, addiction treatment, or is used exclusively for the treatment of mental and nervous disorders.
We reserve the right to increase premiums collectively.
Benefits may be paid directly to the hospital if assigned.
Get an estimate of the cost of your health plan.
Covered benefits
If you have covered expenses related to a hospital, we are here to help. Your policy may include the benefits described below.