Hospital Indemnity Insurance
Defined benefits for qualifying hospital events, alongside your medical plan.
Explore hospital indemnity insurance
Accident Insurance
An extra layer.
For unexpected injuries.
Extra financial support for qualifying accidental injuries and related care.
Your healthYour incomeYour family
Explore your optionsAccident Insurance
A recovery plan includes everyday life.
An accidental injury can bring costs beyond the first medical bill. Accident insurance may pay benefits for a covered injury and related care, helping with expenses during recovery. Compare the policy's benefits with your existing health coverage and household budget. Whether an accident happens at work or elsewhere, coverage depends on the plan's terms.
Make it relevant to you
Look at the details.
See how they fit.
A covered injury may interrupt more than your routine. Ask how available accident benefits address the costs you want to prepare for.
A question to bring:
Which expenses would be hardest to manage during recovery?
Three things to discuss.
- Review covered injuries, treatment benefits and claim requirements.
- Compare premiums with the benefits and limits offered.
- Confirm family eligibility and job-change continuation options.
Supplemental coverage does not replace comprehensive medical insurance. Availability, eligibility, enrollment, benefits and continuation options depend on the insurer, policy, state and any employer arrangement. Ask HQINS about the options available to you.
Know what you’re considering
Clear answers.
Better conversations.
Does this replace health insurance?
No. It adds limited financial protection for covered accidents.
Are workplace injuries covered?
Some plans cover on-the-job accidents; others differ. Check the policy.
Can benefits help with nonmedical costs?
Benefits paid to you may help with other expenses, subject to the policy.
Your next step starts here
Let’s make this
personal to you.
Start with your needs and the coverage you already have. Call HQINS to discuss availability, policy details and the next step.
info@hqins.com · Chino Hills, California