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Advantage Plus® Elite

Hospital Indemnity
Insurance that
pays you directly.

Cash benefits paid straight to you when you're hospitalized — use it however you need. Customize your policy with powerful optional riders.

Cash paid directly to you
ER & mental health included
Customizable with riders
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Guaranteed IssueAges 64–75

No health questions. No medical exam. You cannot be turned down if you're between ages 64 and 75.

Select Your Plan

1-Day Plan

Daily benefit up to $2,500 for hospital confinement

  • Up to $2,500/day benefit
  • Restores after 60 days
  • Short stay & ER benefits included
View full benefit details

$2,500

Max Daily Benefit

Unlimited

Benefit Restorations

$0

Hospital Admission for ER

$20,000

Max Cancer Lump Sum

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What's Included in the Base Plan?

The Advantage Plus® Elite base plan comes with four core benefits — all included, no extra cost.

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Hospital Confinement

Daily benefit paid for each day hospitalized for 24+ hours as observation or confinement. Benefit restores fully after 60 days of no hospital confinement — unlimited times.

⏱️

Short Duration Hospital Stay

Hospitalized and discharged between 6 and 24 hours? You still receive the chosen daily benefit. (25% of the 1-Day benefit amount.)

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Mental Health Benefits

Pays $175/day for up to 7 days if confined to a hospital for a mental or nervous disorder. This benefit is in lieu of the hospital confinement benefit for sickness or injury.

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Emergency Room Benefits

Pays $150 if treated in an emergency room, emergency care, or urgent care facility due to an accident or injury. No hospital admission required.

Customize With Optional Riders

Choose from powerful riders to complete your coverage exactly how you need it.

Ambulance Benefit Rider

$50–$400 per ground or air ambulance ride to/from a hospital. Up to 12 trips lifetime. No hospital confinement required.

Outpatient Therapy Benefit Rider

$50/day for physical, occupational, or speech therapy on an outpatient basis. Up to 15 or 30 days per calendar year. Chiropractic covered $50/day up to 5 days.

Cancer Lump Sum Benefit Rider

Chosen cash benefit of $2,500–$20,000 upon cancer diagnosis. Includes 25% benefit for Cancer In Situ and $500 for Basal/Squamous cell skin carcinoma.

Skilled Nursing Facility Rider

$100–$300/day for days 1–50 or days 21–100 in a skilled nursing facility, after 3 consecutive days of hospital confinement.

Outpatient Surgical Benefit Rider

Pays a benefit when you undergo a covered surgical procedure on an outpatient basis.

Critical Accident Benefit Rider

Lump sum payment if you suffer a covered critical accident injury.

Dental and Vision Benefit Rider

Covers routine dental and vision care expenses.

Lump Sum Hospital Benefit Rider

One-time lump sum payment upon hospital admission for a covered stay.

Not sure which plan fits you?

Answer a few quick questions and a licensed agent will reach out with your personalized options — no obligation, no pressure.