Individual Hospital Indemnity Insurance

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We know that many individuals are struggling to find affordable health benefits. As employers raise deductibles on major medical plans, employees may be faced with higher out-of-pocket costs as a result. Supplemental insurance can help by working to relieve the financial drain of high deductibles, co-insurance payments, and expenses that aren’t covered by comprehensive medical insurance.

APL's Individual Limited Benefit Hospital Indemnity plans can be tailored to a variety of needs, including plans that are compatible with Health Savings Accounts (HSAs). For individuals with high-deductible health plans, traditional health plans, or no health insurance at all, a hospital indemnity plan can be designed to help offset some of the financial risk associated with a serious medical event.

Highlights (Policy Form HI-2200 Series):

• Affordable, flexible plan designs
• Benefits may be paid directly to the insured, or can be assigned to a chosen hospital, treatment facility or physician
• Guaranteed renewable to age 65, then insurer has the right to increase premium rates if the policy so provides.
• Physician and hospital network options are available at an additional cost

The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us.

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