Washington National Introduces New Hospital Indemnity Insurance Product
Washington National Insurance Company has introduced an enhanced Hospital Indemnity Insurance product for worksite and consumer customers. The new plan pays benefits for hospital stays due to covered accidents or sicknesses, including mental illness. Key features include:
1. Cash benefits for inpatient and outpatient care
2. Optional riders for customized coverage
3. Flexibility in benefit usage
4. Portability across jobs and into retirement
5. Consistent premiums
6. Guaranteed renewability
This product aims to provide financial protection against unexpected hospital stays, addressing the concern that nearly half of U.S. adults would struggle to pay a $500 medical bill without incurring debt.
La Washington National Insurance Company ha introdotto un prodotto potenziato di Assicurazione Indennitaria per Ospedalizzazione per i clienti aziendali e privati. Il nuovo piano offre indennizzi per le degenze ospedaliere dovute a incidenti o malattie coperte, inclusa la malattia mentale. Le caratteristiche principali includono:
1. Indennizzi in contante per cure ambulatoriali e durante il ricovero
2. Opzioni aggiuntive per una copertura personalizzata
3. Flessibilità nell'uso delle indennità
4. Portabilità tra lavori e in pensione
5. Premi costanti
6. Rinnovo garantito
Questo prodotto mira a fornire una protezione finanziaria contro degenze ospedaliere impreviste, affrontando la preoccupazione che quasi la metà degli adulti statunitensi avrebbe difficoltà a pagare una bolletta medicale di $500 senza indebitarsi.
La Washington National Insurance Company ha introducido un producto mejorado de Seguro de Indemnización Hospitalaria para clientes en el lugar de trabajo y consumidores. El nuevo plan paga beneficios por estancias hospitalarias debido a accidentes o enfermedades cubiertas, incluida la enfermedad mental. Las características clave incluyen:
1. Beneficios en efectivo para atención ambulatoria y hospitalaria
2. Opciones adicionales para cobertura personalizada
3. Flexibilidad en el uso de beneficios
4. Portabilidad entre trabajos y en la jubilación
5. Primas consistentes
6. Renovación garantizada
Este producto tiene como objetivo proporcionar protección financiera contra estancias hospitalarias inesperadas, abordando la preocupación de que casi la mitad de los adultos en EE. UU. tendrían dificultades para pagar una factura médica de $500 sin incurrir en deudas.
워싱턴 내셔널 보험회사는 근무지 및 소비자 고객을 위한 향상된 병원 손해보험 상품을 도입했습니다. 새로운 계획은 보장된 사고나 질병, 정신 질환을 포함하여 병원에 입원하는 경우 혜택을 제공합니다. 주요 특징은 다음과 같습니다:
1. 입원 및 외래 치료에 대한 현금 혜택
2. 맞춤형 보장을 위한 선택적 약관
3. 혜택 사용의 유연성
4. 직장 간 이동 및 은퇴 시 포터블성
5. 일정한 보험료
6. 보장이 보장됨
이 제품은 예상치 못한 병원 입원에 대한 재정적 보호를 제공하는 것을 목표로 하며, 미국 성인의 거의 절반이 $500 의료비를 갚는 데 어려움을 겪을 것이라는 우려를 해결하고자 합니다.
Washington National Insurance Company a introduit un produit amélioré d'Assurance Indemnité Hospitalière pour les clients sur le lieu de travail et les consommateurs. Le nouveau plan verse des prestations pour les séjours à l'hôpital dus à des accidents ou à des maladies couvertes, y compris les troubles mentaux. Les caractéristiques clés incluent :
1. Prestations en espèces pour les soins hospitaliers et ambulatoires
2. Options supplémentaires pour une couverture personnalisée
3. Flexibilité dans l'utilisation des prestations
4. Portabilité d'un emploi à l'autre et en retraite
5. Primes constantes
6. Renouvelabilité garantie
Ce produit vise à fournir une protection financière contre les séjours à l'hôpital imprévus, répondant à la préoccupation selon laquelle près de la moitié des adultes américains auraient des difficultés à payer une facture médicale de 500 $ sans s'endetter.
Die Washington National Insurance Company hat ein verbessertes Krankenhaus-Indemnitätsversicherung Produkt für Arbeitsstätte- und Verbraucher-Kunden eingeführt. Der neue Plan zahlt Leistungen für Krankenhausaufenthalte aufgrund von gedeckten Unfällen oder Krankheiten, einschließlich psychischer Erkrankungen. Zu den wichtigsten Merkmalen gehören:
1. Bargeldleistungen für stationäre und ambulante Pflege
2. optionale Zusatzvereinbarungen für maßgeschneiderte Deckung
3. Flexibilität bei der Nutzung der Leistungen
4. Portabilität zwischen Jobs und im Ruhestand
5. Konstante Prämien
6. Garantierte Erneuerbarkeit
Dieses Produkt hat zum Ziel, finanziellen Schutz gegen unerwartete Krankenhausaufenthalte zu bieten und die Sorge zu adressieren, dass fast die Hälfte der Erwachsenen in den USA Schwierigkeiten hätte, eine medizinische Rechnung von $500 zu bezahlen, ohne Schulden zu machen.
- Introduction of an enhanced Hospital Indemnity Insurance product
- Expanded coverage to include mental illness
- Addition of cash benefits for both inpatient and outpatient care
- Flexibility for policyholders to customize coverage with optional riders
- Product addresses a significant market need, with nearly half of U.S. adults unable to pay unexpected $500 medical bills
- None.
The new Hospital Indemnity Insurance plan pays benefits to policyholders and their family members when they experience a hospital stay for a covered accident or sickness, now including mental illness. Washington National enhanced the base policy coverage to include a cash benefit for inpatient and outpatient care during the time an insured spends in the hospital. Policyholders may also add optional riders to the base coverage to customize their plan to help safeguard their savings due to an unforeseen hospital stay.
"Hospital Indemnity Insurance is supplemental health coverage that helps customers cover rising costs associated with unexpected hospital stays," said Karen DeToro, president, Worksite Division at CNO Financial Group. "At a time when nearly half of
Additional benefits of Hospital Indemnity Insurance include:
- Flexibility: Because cash benefits are paid directly to policyholders, there are no restrictions on how they use their benefits.
- Portability: Policyholders can keep their policy even if they change jobs, move to a different state, retire or go on Medicare.
- Consistency: Premiums remain the same and cannot be increased unless all rates of that kind are raised in a policyholder's state.
- Renewability: Policies are guaranteed to be renewable as long as they pay the required premiums on time.
For more information about Hospital Indemnity Insurance, visit washingtonnational.com/families-individuals/health-insurance/hospital/.
About Washington National Insurance Company
Washington National Insurance Company, part of the CNO Financial Group (NYSE: CNO) family of brands, has helped Americans since 1911 to protect themselves and their families from the financial hardship that often comes with critical illness, accidents or loss of life. The company's supplemental health and life insurance products are designed to help give policyholders and their loved ones' peace of mind. Policyholders can depend on Washington National to be a strong, caring partner in helping to provide financial security for them and their families. To learn more, visit WashingtonNational.com.
1 – KFF. Americans' Challenges with Health Care Costs. https://www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs. March 1, 2024.
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SOURCE Washington National Insurance Company
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