Hospital Indemnity
There’s an undeniable peace in knowing you’re covered. Facing a hospital stay, whether due to sudden injuries or unforeseen illnesses, can be daunting. Heartland’s Secure Advantage Flex Hospital Indemnity Insurance ensures you can concentrate on healing without the stress of financial strain, granting you the peace of mind.
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HOSPITAL INDEMNITY COVERAGE
Choose the coverage you need to cover all expenses!
Our Secure Advantage Flex Hospital Indemnity plan is tailored for individuals aged 18 to 85. This single, comprehensive plan offers lifelong renewability and encompasses benefits that alleviate the financial burdens of hospital stays. Enhance your coverage further with our optional riders to meet all your health-related needs.
Optional Riders
Lump Sum Cancer Benefit
We'll provide the cash benefit you've chosen upon your first diagnosis of cancer while under the policy's coverage. This ensures added financial support during challenging times. Having this safety net can offer invaluable peace of mind, allowing you to focus more on recovery and less on financial stresses.
Lump Sum Hospital Confinement
We'll pay the cash benefit of your choice should you undergo a hospital stay due to an accident or sickness, once for every care period. This advantage assists in counterbalancing out-of-pocket costs like copays, coinsurance, and deductibles.
Lump Sum Outpatient Surgery
Receive a cash benefit of your choosing should you undergo a surgical procedure executed by a Physician in an Ambulatory Surgical Center or the Outpatient Facility of a Hospital. This coverage ensures that even when facing surgical interventions, your financial concerns are minimized.
Skilled Nursing Facility
We'll disburse the daily cash benefit of your choice if you're admitted to a skilled nursing facility due to a covered sickness or injury from days 21 to 100. This provision ensures that during prolonged stays, you receive consistent financial support. This added coverage alleviates immediate medical expenses.
Ambulance
Upgrade your coverage with our Ambulance Service Rider. In the face of unexpected medical emergencies, swift transportation shouldn't be a financial burden. Benefit from up to $200 each time you use ambulance services, whether by air or water. Navigate emergencies with confidence and less financial stress.
Wellness
Be proactive with your health by adding additional coverage. This covers expenses for your annual health screening tests. You can receive up to $100 each calendar year, encouraging regular check-ups and early detection of potential health issues.
Dental, Vision, and Hearing
Receive essential dental, vision, and hearing services and get reimbursed up to $1,500. Ensuring that your oral, optical, and auditory health needs are cared for without weighing heavily on your pocket.
Rider availability varies by state.
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