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 Hospital Assure is a hospital indemnity insurance plan by Washington National. It pays you fixed cash benefits if you or a covered family member is hospitalized due to a covered illness or accident. The benefits are paid directly to you, regardless of any other insurance you have, and can be used for out-of-pocket costs like deductibles, copays, transportation, or daily expenses.

No. Hospital Assure is designed to complement your current health insurance. It provides cash benefits to help cover expenses that your regular insurance might not, such as deductibles, copays, and other non-covered services or personal costs during hospitalization.

Yes. The policy offers portability, meaning you can keep your coverage even if you change employers, move to a different state, or retire. It continues to be valid as long as premiums are paid.

No. Your premium cannot increase individually unless all policies of the same kind in your state increase. This means your rates remain level and predictable unless there’s a state-wide adjustment.

Benefit amounts vary. For example:

• Hospitalization lump sum: $1,000 to $5,000 (you choose the level)

• Outpatient services: $100/day

• Emergency room: $100/day

• Rehabilitation center: $100/day for up to 30 days

• Optional benefits include diagnostic tests, surgery, ambulance service, and ICU stays (e.g., $200–$300/day in ICU depending on the plan).

Yes. The Premium Return Option allows you to receive back the premiums you paid after 20 years, minus any claims made, if the policy remains active. This applies on specific anniversary dates or milestone birthdays (like age 75), offering long-term value even if you haven’t used the coverage.