Fixed Indemnity Insurance

Cash benefits for covered healthcare services with no deductible


The Fixed Indemnity Direct offers six, budget-friendly benefit levels that provide cash benefits without having to worry about meeting a deductible. The money can be used to pay unexpected medical costs or everyday living expenses.

Applying is simple and can be completed in minutes.

Fixed Indemnity Direct at a Glance

  • No Annual Deductible
  • Affordable plans that supplement other health insurance you may have*
  • Benefits are paid directly to you – not your doctor or hospital
  • Flexible benefit options with six plans to choose from
  • Affordable premiums that do not increase as you get older with coverage starting about $18 per month*

Cash Benefits Can Be Used For

  • Copays or Coinsurances
  • Rent or Mortgage
  • Car Payments
  • Child Care
  • Everyday Living Expenses

How Does Fixed Indemnity Work?

  • Step 1: Worried about meeting a deductible?

    Fixed Indemnity Direct provides cash benefits without having to worry about meeting a deductible.

  • Step 2: Submit your claim.

    Easily check the status of your claim online 24/7.

  • Step 3: Receive your cash.

    It’s your money, you decide how to use it.

Questions about Fixed Indemnity Insurance

Are there any restrictions on how I use the money?

No, you can use the money however you choose. It’s your money, your decision.

Does my benefit check have to be used to pay for medical expenses?

No. You can use the money to pay for anything you choose, from deductibles to groceries to mortgage payments. It’s your money, your decision.

How do I receive the money?

If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.

How is supplemental insurance different than medical insurance?

When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.

Is supplemental insurance expensive?

SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.

Is this plan eligible for a subsidy under the Affordable Care Act?

This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore a Fixed Indemnity Insurance Policy does not satisfy the individual mandate that you have health insurance coverage or qualify for a subsidy. If you do not have other health insurance coverage, you may be subject to a tax penalty.

Who can I speak with to find out more information?

Call (866) 876-8756 Monday – Friday from 8:00 am through 7:00 pm for more information on SureBridge products.

Why do I need supplemental insurance from SureBridge if I already have medical insurance?

Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.

The Chesapeake Life Insurance Company brand is transitioning from SureBridge to UnitedHealthcare. The current brand will display based on each product.
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