Hospital Indemnity Insurance is designed to pay you, or someone you designate, a cash benefit upon discharge from a hospital stay and assist you in the recovery phase following a hospital stay. The Hospital Recovery benefits are paid directly to you following an inpatient hospital stay discharge. Whether you or a covered family member needs rehabilitative services or assistance around the house, this plan provides benefits to help pay for the services and resources you want.

Here are some examples:

• Home care assistance
• Rehabilitative services
• Medical deductibles, co-pays or co-insurance
• Child care
• Housekeeping help
• Lost wages while away from work
• Transportation to/from appointments
• Yard work

Why do I need Hospital Indemnity Insurance?

The average length of a hospital stay has declined over the past 10 years. A shorter hospital stay may mean additional out-of pocket expenses before a patient reaches full recovery. • In 2010, the average length of a hospital stay in Michigan was 4.7 days • In 2011, the average cost of a hospital stay in the U.S. was $9,7002 • Your risk of being hospitalized almost doubles when you reach age 65 • 72% of covered workers now face a health insurance deductible, with average deductibles doubling from 2007-2013.