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Hospital Indemnity Insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons or for other medical services, depending on the policy.
AIBG offers plans that pay a daily benefit for each day of confinement in a hospital due to sickness or injury for non-seniors and seniors. Additional benefits include Hospital Observation and a Mental or Nervous Disorder Benefit. The following optional riders are available for additional cost: Lump-sum Hospital Confinement Rider; Skilled Nursing Facility Rider; Outpatient Surgery Rider; Emergency Care Rider; Ambulance Transportation Rider; Outpatient Major Diagnostic Exam Rider and Wellness Rider
The Metal Gap plan is a Fixed Indemnity plan that complements health insurance by filling gaps and allowing members to reduce their out-of-pocket expenses such as deductibles, coinsurance, and co-payments.