Diabetes & Hospital Stays

Diabetes – CHF

If you've been diagnosed with diabetes and/or congestive heart failure (CHF), you should understand the importance of plan benefits that meet your special needs, as well as your cost concerns.

The Hospital Indemnity Plan Will Pay You Cash Benefits For:


This benefit will pay you a daily benefit amount between $100 and $600 per day should you be confined to a hospital. You can also choose either a 10-day or 21-day benefit period which will restore after 60 days of no hospital confinement. Benefits are paid in cash directly to you and paid in addition to any other insurance you may have.

NOW AVAILABLE: A short hospital stay between 12 to 24 hours is included in the 3 and 6-day benefit periods. This short stay benefit is available as an optional rider on our most popular 10 and 21-day policies.

Observation Stays Covered: People may be surprised to find out that after being confined in the hospital for days, they weren't covered if their stay was categorized as "hospital observation." Advantage Plus covers both hospital confinement and hospital observation.

A hospital indemnity plan is available that will pay you cash benefits to support your Medicare advantage plan copayments.


This rider will pay a $200 benefit for ambulance service to or from a medical facility up to four times a year and subject to a lifetime maximum of $2,500. No hospital confinement is required.


Your policy will pay $100, $150 or $200 per day from days 1 through 50 if you are confined to a skilled nursing facility. This benefit applies if you are admitted to a skilled nursing facility after having been confined to a hospital for three consecutive days. We will pay benefits as long as confinement occurs within 30 days of hospitalization. This benefit restores after 60 days of no confinement in a hospital or skilled nursing facility.

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