This is a fixed indemnity policy, NOT comprehensive health insurance. This policy may pay you a limited dollar amount if you're sick or hospitalized. You are still responsible for paying the cost of your medical care.
The payment you receive is not based on the amount of your medical bill
There may be a limit on how much this policy pays each year
This policy is not a substitute for comprehensive health insurance
Looking for comprehensive health insurance? Visit HealthCare.gov or call 1-800-318-2596. Or contact me — I can help you with that too.
What is it for?
It complements your existing health plan
Hospital indemnity insurance from Washington National pays you fixed cash benefits directly if you or a covered family member is hospitalized due to a covered illness, accident or mental health condition.
Use your cash benefits to pay for:
Deductibles
Covers what your main insurance doesn't pay up front
Copays
Cost sharing on visits and procedures
Out of network
Costs from hospitals outside your medical network
Household expenses
Rent, mortgage, food, gas, childcare
Medications
Prescriptions and medicines during recovery
Lost income
Support when you can't work
Base policy benefits
What your coverage includes
Lump sum for hospitalization
$1,000–$10,000
Once per calendar year. Payable on admission as an inpatient or to an observation unit (from one day to the next)
Daily hospitalization benefit
$100/day
For up to 365 days per hospitalization period as an inpatient or in an observation unit
Premium waiver
100%
If you're hospitalized more than 30 consecutive days, your premiums are waived until discharge or for 12 months
Optional add-on coverage
Customize your protection
Extra daily hospitalization
$100–$400/day
4 levels available (on top of the base benefit) · Max. 365 days per hospitalization
ICU — Intensive care
$100/day
On top of the base daily benefit · Max. 30 days per hospitalization
Emergency room
$100/visit
For ER or urgent care treatment · Max. 2 days per year
Ambulance
$200 / $2,000
Ground $200 · Air $2,000 · Max. 3 trips per year per person
Surgical procedure
$100–$1,000
Per covered surgery · One benefit per 24-hour period per person
Rehabilitation facility
$100/day
Max. 15 days per hospitalization · 30 days per year per person
Doctor visit
$25/day
Includes telemedicine · For accident, illness or routine exam · Max. 3 days/year
Lab work and X-rays
$50/day
Tests ordered by a doctor · Max. 3 days per year per person
Diagnostic imaging
$100/day
CT, MRI, EEG, angiography · Max. 3 days per year per person
Return of premium: There is an optional rider that can refund the premiums you've paid. Ask me about availability in your state.
Why choose this plan
4 key advantages
💰
Flexibility
The money is paid directly to you. No restrictions on how you use it.
🏠
Portability
You keep your policy if you change jobs, move or retire.
📊
Consistency
Premiums can't go up unless they go up for everyone in your state.
🔄
Renewability
Guaranteed renewal as long as you pay your premiums on time.
Available coverage options
Choose the plan for your family
👤
Individual
Coverage for you only
👫
Individual + Spouse
You and your partner
👨👧
Individual + Child(ren)
You and your dependents
👨👩👧👦
Family
Your whole family covered
Want to protect your family from high hospital costs?
Completely free advice · No commitment · I reply the same day
