Pays a lump-sum benefit of up to $25,000 if you are hospitalized due to injuries caused by an accident.
Critical Accident DirectMore
Provides a one-time lump-sum benefit of up to $60,000 for qualifying injuries caused by an accident.
Provides a lump-sum benefit to help you pay deductible and co-insurance expenses.
Provides a one-time lump-sum benefit of up to $50,000 on first diagnosis of specific types of cancer.
Critical Illness DirectMore
Provides a lump-sum benefit of up to $100,000 on first diagnosis of a specified illness.
Hospital Confinement DirectMore
Provides a daily benefit of up to $1,000 if you are confined to a hospital due to illness or injury.
Simplified Issue Term Life InsuranceMore
Our affordable plan can help provide financial security for your loved ones without requiring a health exam or blood samples from you.
Critical Condition RiderMore
If you are diagnosed with one of the many covered conditions, you and your beneficiaries can receive up to the full death benefit of your policy to help meet current financial needs.
Our final expense plan can help pay the costs of a funeral or other remaining expenses, eliminating some of your family’s financial worry.
Hospital Confinement Direct
Most people plan for the unexpected by purchasing medical insurance to cover the cost of care related to hospital confinement due to injury or illness. But you will also need coverage to help with out-of-pocket medical expenses and other daily living expenses. For example, in 2009, the average hospital stay was 4.6 days, with average hospital charges and out-of-pocket costs totaling $26,120 and $8,692, respectively1, in addition to daily living expenses.
Our Hospital Confinement Direct supplemental insurance plan is simple. It pays a cash benefit directly to you for each day you are hospitalized due to a wide range of different illnesses, accidents or injuries, providing you with additional financial support in a variety of circumstances. This money can be used for anything you choose. It’s your money, your decision.
1 Agency for Healthcare Research and Quality (AHRQ), Center for Delivery, Organization, and Markets, Healthcare Cost and Utilization Project (HCUP) 2008
HOSPITAL CONFINEMENT DIRECT
Provides a daily benefit option on confinement to hospital due to illness or injury. Subject to a 30-day waiting period for illness.
DAILY BENEFIT OPTIONS
$2501, $500, $750 or $1,000
HOSPITAL CONFINEMENT BENEFIT SCHEDULE
1-5 days: 100% of the daily benefit option
6-10 days: 50% of the daily benefit option
11-365 days: $100 per day
ICU/CCU CONFINEMENT BENEFIT SCHEDULE
1-2 days: 200% of the daily benefit option
3-10 days: 100% of the daily benefit option
11-30 days: 50% of the daily benefit option
31-365 days: $100 per day
1 This benefit level is guaranteed acceptance regardless of health or medical history; subject to eligibility requirements and pre-existing condition limitations. |Product and/or benefit availability may vary by state. | Exclusions and limitations apply.
Form CH-26116-IP (01/10), or its state variation.
Q: Will I receive money if I am admitted to the hospital for a pre-existing condition?A:
No. SureBridge will only pay benefits for hopital visits related to illness or injury diagnosed after the policy effective policy.
Q: Why do I need Hospital Confinement if I already have medical insurance that should pay the majority of my hospital bills?A:
There are frequently unexpected costs associated with a hospital stay that medical insurance does not cover, such as deductibles, travel expenses, child care, and other daily living expenses. Hospital Confinement Direct is designed to help cover these costs.
Q: What if multiple family members are admitted to the hospital at the same time?A:
SureBridge will pay a pre-determined amount for each hospitalized family member covered by the policy.
Q: Will I get a benefit check if my health insurance covered my hospital stay?A:
Yes. Supplemental insurance from SureBridge pays you, even if your health insurance policy covered your hospitalization.
Q: What is the difference between the Hospital Direct Bundle product and Hospital Confinement?A:
The Hospital Direct Bundle combines coverage from several of our most popular products into one convenient plan. The Hospital Direct Bundle includes our Hospital Confinement Direct, Accident Direct, and Critical Illness Direct plans at specified benefit levels to provide extended financial protection at an affordable price.
Q: Is supplemental insurance expensive?A:
Supplemental insurance from SureBridge is affordable. Our policies are designed to fit your budget and fill the gaps when you are sick or injured to help protect your financial security.
Q: Who can I speak with to find out more information?A:
Just click on the ‘Get A Quote’ link and fill out the simple form. A licensed insurance agent/producer in your area will contact you to help you get the answers, and financial protection, you need.