Supplemental hospital indemnity insurance can provide benefits for unexpected or higher cost healthcare services like hospitalization.

With three fixed benefit levels to choose from and annual calendar year maximums from $10,000 to $15,000, there is an Independence Hospital Insurance plan available for a range of different needs and budgets:

  Hospital 30 Hospital 45 Hospital 60
Lump sum payment per hospitalization $3,000 $4,500 $6,000
Daily hospital up to 31 days* $100 per day $100 per day $100 per day
Outpatient facility services (1 day*) $3,000 $4,500 $3,000
Outpatient diagnostics (1 test*) $200 $500 $500
Outpatient advanced imaging (1 test*) $500 $500 $500
Wellness + preventive care** (1 visit*) $50 $50 $50

*Per calendar year

**Initial 3-month waiting period applies

*** Up to the selected benefit limit

Independence Hospital Insurance Features

Available for ages 18 to 64.5

  • The primary applicant must be age 18 to 64.5 years old.
  • Dependent spouse or children under age 26 may be included under a primary applicant.
  • Child-only plans are not available.

Additional Features

  • No network restrictions or requirements.
  • No open enrollment periods – apply for hospital insurance anytime.
  • Payments are made directly to the policyholder, unless assigned by the policyholder.
  • Benefits for pre-existing conditions are payable after 12 months of consecutive coverage.

Sample Policy Limitations + Exclusions

  • Not available without obtaining a major medical policy in some states.
  • There is an extended list of healthcare services and charges that are excluded from coverage.
  • Pre-existing condition limitation.

Who May Want a Supplemental Hospital Indemnity Plan?

  • Those with a high deductible major medical plan, including an individual ACA plan or an employer’s group plan.

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

This page provides a very brief description of the important features of Independence Hospital Insurance. 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 vary by state).

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.