Unexpected hospital stays can create significant out-of-pocket expenses, even for clients who already have Medicare or traditional health insurance.
The AdvantageGuard Hospital Indemnity Plan provides fixed cash benefits paid directly to the insured to help cover those unexpected costs.
Key Highlights
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Cash benefits paid directly to the insured for qualified hospital stays
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Benefits are paid regardless of other insurance coverage
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Helps offset expenses like:
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Deductibles
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Copays
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Transportation
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Home recovery costs
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Everyday bills during recovery
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Flexible benefit levels available to fit different budgets
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Coverage includes:
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Inpatient hospital confinement for sickness or injury
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Hospital observation stays
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Mental or nervous disorder hospital stays
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No waiting period on most standard benefits
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Renewable for life as outlined in the policy
Optional Benefit Riders Available
Clients can enhance their protection with additional coverage options such as:
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Emergency room or urgent care visits
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Ambulance transportation
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Skilled nursing facility stays
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Outpatient surgery benefits
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Major diagnostic testing benefits
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Cancer diagnosis benefit
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Wellness visit benefit
Why Clients Like This Coverage
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Provides predictable cash payments when hospitalized
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Helps fill coverage gaps left by traditional health plans or Medicare
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Benefits can be used however the client needs
Qualification
This plan is simplified issue, which means applicants will answer a few health questions to qualify for coverage.
Call to Action
If you have clients who want extra financial protection against hospital costs, this plan may be a great fit.