Hospital Insurance

An extra layer of financial protection so you can focus on what really matters


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, respectively*, in addition to daily living expenses.

Our Hospital 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.

Cash Benefits Can Be Used For

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

How Does Hospital Insurance Work?

  • Step 1: A stay in the hospital can strain even the healthiest budget.

    No matter how good your medical insurance, if you are hospitalized for an injury or sickness there will probably be medical expenses and out-of-pocket costs that aren’t covered. Our hospital insurance provides an extra layer of financial protection so you can focus on what really matters.

  • Step 2: Submit your claim.

    Claims can be submitted online, by fax, or by mail. Most claims are reviewed in as little as 3 days and you can easily check the status of your claim online 24/7.

  • Step 3: Receive your cash.

    Upon approval of your claim, a lump-sum cash benefit will be paid directly to you. It’s your money, you decide how to use it.

Questions About Hospital 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.

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.

What if multiple family members are admitted to the hospital at the same time?

SureBridge will pay a pre-determined amount for each hospitalized family member covered by the policy.

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 Hospital Confinement if I already have medical insurance that should pay the majority of my hospital bills?

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.

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.

Will I get a benefit check if my health insurance covered my hospital stay?

Yes. Supplemental insurance from SureBridge pays you, even if your health insurance policy covered your hospitalization.

Will I receive money if I am admitted to the hospital for a pre-existing condition?

No. SureBridge will only pay benefits for hospital visits related to illness or injury diagnosed after the policy effective policy.

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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