Evolution is group fixed indemnity hospital insurance that may provide hospital, accident and critical illness coverage depending on the plan level selected.

There are six plan designs with varying benefit levels and coverages to choose from.

Accident Coverage

  • Preventive Care
  • AD+D
  • Accident Expense (per accident)

Critical Care Coverage

  • Preventive Care
  • AD+D
  • Critical Care (first occurrence)

Hospital, Accident + Critical Care Coverage

  • Preventive Care
  • AD+D
  • Accident Expense (per accident)
  • Critical Care (first occurrence)
  • Hospital Admission (1 day per year)

Evolution Features

One-time $50 preventive care benefit may help with

  • Office visit copays.
  • Paying for tests or diagnostics that are ordered by a physician but that are not also covered by the ACA’s major medical preventive care benefit.

One-time $25,000 accidental death + dismemberment benefit may help with

  • Income replacement during recovery from covered hand, foot or eye injuries.
  • Funeral expenses.

Accident benefits ranging from $1,000 to $5,000 per accident and/or Critical Care benefits ranging from $5,000 to $15,000 may help with

  • Medical expenses not covered by major medical policy.
  • Major medical out-of-pocket costs or premium.
  • Other costs of living like housing, transportation and childcare.

Sports-related injuries are covered under accident and first-day hospital admission including

  • High school
  • Intercollegiate
  • Professional
  • All other sports are covered

One-time (per year) hospital admission benefit of $1,500 may help

  • Provide additional benefits to pay major medical deductible.

Plans are guaranteed issue and available for

  • Employees and their spouses aged 18 to 99
  • Dependents under age 26

Sample Policy Limitations + Exclusions

  • Some benefits, such as accident, are not available in all states.
  • Child-only plans are not available.
  • Enrollment available only during open enrollment or a special enrollment period.
  • There is an extended list of healthcare services and charges that are excluded from coverage.

Who May Want Evolution?

  • Employers that offer high deductible health plans.

Work With The IHC Group

Want to be able to offer your clients IAIC insurance products? Fill out this short form or email start@ihcgroup.com to get started.

Product Disclaimer

These products are not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don’t have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. These products may include a pre-existing condition exclusion provision.

This page provides a very brief description of the important features of Evolution. Therefore, it is important that you READ THE POLICY CAREFULLY. For complete details, refer to the Certificate of Coverage (form IAIC LMB CERT 0115 – may vary by state).