Hospital and Surgical Indemnity Insurance
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Independence Hospital Insurance Plus is supplemental fixed indemnity insurance that includes a fixed benefit amount for covered medical expenses for a range of healthcare services, including inpatient and outpatient hospitalization, qualifying cancer diagnosis, as well as preventive care and physician’s office visits.
There are three plan levels to choose from with a range of benefits options:
| Hospital 20 | Hospital 30 | Hospital 40 | |
| Lump sum payment per hospitalization | $1,000 | $1,500 | $2,000 |
| Daily hospital up to 31 days* | $2,000 per day | $3,000 per day | $4,000 per day |
| Outpatient facility services (1 day*) | $2,000 | $3,000 | $4,000 |
| Wellness + preventive care** (1 visit*) | $50 | $100 | $150 |
| Urgent care (1 visit*) | $250 | ||
| Physician office visit (3 visits*) | $100 | ||
*Per calendar year
**Initial 3-month waiting period applies
Independence Hospital Insurance Plus Features
Fixed benefits ranging from $1,000 to $4,000 depending on plan level selected
- Plans pay the selected fixed benefits, regardless of the amount the provider charges
- Includes a lump sum cancer benefit from $2,000 to $4,000
- Benefits payments made directly to the insured, unless assigned to the provider
Additional benefits include
- Inpatient observation unit
- ICU/CCU confinement
- Inpatient physician, surgeon, assistant surgeon and anesthesiologist
- Outpatient surgeon, assistant surgeon and anesthesiologist
- Outpatient diagnostic and advanced imaging
- ER visit, ground, water and air ambulance
- Second surgical opinion
Available for ages 18 - 64.5
- The primary applicant and their spouse must be age 18 to 64.5 years old
- Dependent children under the age of 26 may be added under a primary applicant
Plans are guaranteed-renewable
- Insured and their family will not be for a rate increase or cancellation based solely on health changes
Enroll anytime
- Not subject to an open enrollment period
Additional Features
- Not subject to an open enrollment period
- $0 deductibles
- Does not coordinate with other health plans
- No network requirements or limitations
Sample Policy Limitations + Exclusions
- Initial 3-month waiting period for wellness and preventive care benefits.
- Not available without obtaining a major medical policy in some states.
- Includes a pre-existing condition limitation.
- There is an extended list of healthcare services and charges that are excluded from coverage.
Who May Want a Hospital Indemnity Policy?
- Those with a high deductible major medical plan, including an individual ACA plan or an employer’s group plan.
Work With The IHC Group
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Product Disclaimer
This page provides a very brief description of the important features of Independence Hospital Insurance Plus. It is not the insurance Policy, and only the actual Policy provisions will control. The Policy itself sets forth, in detail, the rights and obligations of both the policyholder and the insurance company. It is, therefore, important that you READ THE POLICY CAREFULLY. For complete details, refer to the Fixed Hospital Indemnity Insurance Policy (IAIC HIP POL 0719—policies may vary by state), and the Cancer Benefit (IAIC HIP CAN 0719).
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.