Consumer Hospital Indemnity Insurance

83% of covered workers have an average deductible of $1,478

With rising deductibles, even a short-term hospital stay can cause financial strain if you’re not prepared. It’s smart to supplement your health coverage with USAble Life’s Hospital Indemnity Insurance plan to ensure you can pay the bills if you’re hospitalized. Cash benefits are paid directly to you in addition to what medical insurance pays and can be used to pay a range of medical and nonmedical expenses, including copays, deductibles, treatment, travel, and childcare.

Multiple Plan Options

With flexible plan options at varying levels of coverage for illness or injuries, we let you build the plan that works for you, including benefits for:

  • Hospital admission
  • Hospital confinement
  • Emergency treatment
  • ICU confinement
  • Ambulance
  • Fractures, dislocations
  • And much more

Family Coverage

Cover yourself, your spouse, and your children at affordable monthly rates

Guaranteed for Life

  • Lock in affordable rates based on your age when you purchase the policy and your rates won’t increase due to age
  • Your policy is guaranteed renewable year after year as long as your monthly premiums are paid on time

How it works

For example, you purchase our Plan 2 Hospital Indemnity plan and later suffer an illness that requires an ambulance transport as well as a two-week hospital stay, including five days in intensive care. In addition to what your major medical insurance pays, USAble Life’s Hospital Indemnity plan may pay:

  • $1000 for hospital admission
  • $100/day for ICU confinement (five days)
  • $50/day for hospital confinement (nine days)
  • $250 for ambulance transportation
  • $1,000 coronary bypass
  • $250 anesthesia

$2,950 in total cash benefits paid directly to you