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Income Protection Direct
MorePays a monthly cash benefit of up to $2,500 during times of total disability due to illness or injury which leaves you unable to work.
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Accident Disability Direct
MorePays a monthly cash benefit of up to $2,500 if you are unable to work due to an accident.
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Complete Direct Bundle
MoreOur Complete Direct plan gives you additional financial protection to help cover costs associated with hospitalization, accidents, critical illness and short-term disability.
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Accident Direct
MorePays a lump-sum benefit of up to $25,000 if you are hospitalized due to injuries caused by an accident.
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Hospital Confinement Direct
MoreProvides a daily benefit of up to $1,000 if you are confined to a hospital due to illness or injury.
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Critical Accident Direct
MoreProvides a one-time lump-sum benefit of up to $60,000 for qualifying injuries caused by an accident.
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CancerWise®
MoreProvides a one-time lump-sum benefit of up to $50,000 on first diagnosis of specific types of cancer.
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Critical Illness Direct
MoreProvides a lump-sum benefit of up to $60,000 on first diagnosis of a specified illness.
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Hospital Direct Bundle
MoreOur Hospital Direct supplemental insurance plan pays a cash benefit directly to you if you are hospitalized, have an accident or are diagnosed with a critical illness.
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ProtectFit Plus
MoreSupplemental insurance to help cover unexpected expenses due to accidents. Provides a blend of lump sum and daily benefits paid directly to you.
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PersonalFit Plus
MoreSupplemental insurance focused on covering expenses due to illness. Provides a blend of lump sum and daily benefits paid directly to you.
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HospitalFit Plus
MoreSupplemental insurance combining illness and accident coverage. Provides a blend of lump sum and daily benefits paid directly to you.
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Simplified Issue Term Life Insurance
MoreOur affordable plan can help provide financial security for your loved ones without requiring a health exam or blood samples from you.
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Critical Condition Rider
MoreIf 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.
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Final Expense
MoreOur final expense plan can help pay the costs of a funeral or other remaining expenses, eliminating some of your family’s financial worry.
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Hospital Confinement Direct
Features
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
BENEFIT DESCRIPTION
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
$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
Exclusions and limitations apply.
Form CH-26116-IP (01/10), or its state variation.
FAQS
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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.
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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.
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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.
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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.
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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.
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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.
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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.