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Plan Description

Hospital Indemnity Plan can help limit exposure to out of pocket medical expenses by providing fixed indemnity benefits for certain medical services due to a covered accident or sickness.

EligibilityCoverage is available for ages 18 - 74
Most employees working 20 hours or more per week are eligible
Available for Spouse ages 18-74 and Dependent Children (unmarried) ages 0-25
Enrollment Deadline17th of month Prior to Effective date
AvailabilityAvailable in ALL States
Hospital Admission$500
Hospital Confinement$200 / Day
10 days Max
Wellness$50 / Year
Rehab (Continuous Care)$100 / Day
15 day max
Emergency Room$200
1 per year
Physician’s Office Visit$75
1 per year
Maternity CoverageNo
Underwritten by
About Standard Life and Accident Insurance Company

Standard Life and Accident Insurance Company (Standard Life) was founded to provide clients with realistic life and health products that solve their needs for financial security.

Since its inception, more than 70 years ago, the Company's ethic has never changed. "People's needs change from day to day. The shrinking value of the dollar makes insurance protection more important to the individual...We must develop think-ahead programs today which will provide benefits in keeping with the economic changes of tomorrow. While we've grown so fast, it has not been at the expense of the human factor, so vital to this business. Efficiency is emphasized. However, we try never to lose sight of the personal aspects of our relations with policyowners and business clients, as well as our own agents and employees." Leonard H. Savage, President 1948-1973, Standard Life and Accident Insurance Company.

Standard Life and Accident Insurance Company (“Standard Life”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of November 2018.

A.M. Best1: A
Standard & Poor's2: A-  

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations. 

Ratings may be changed, suspended, or withdrawn at any time.

1A.M. Best’s active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor).

2Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. For a list of Standard & Poor's active company rating scale visit www.standardandpoors.com.







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