Accident Insurance
Extra financial support for qualifying accidental injuries and related care.
Explore accident insurance
Hospital Indemnity Insurance
A little more flexibility.
Around a hospital stay.
Defined benefits for qualifying hospital events, alongside your medical plan.
Your healthYour incomeYour family
Explore your optionsHospital Indemnity Insurance
A stay can affect the whole household.
A hospital stay can leave costs that extend beyond what your health plan pays. Hospital indemnity insurance may provide benefits for covered hospital events and, with some plans, surgery or related services. The payment follows the policy's terms and may help with out-of-pocket expenses. It is supplemental protection, not a replacement for comprehensive medical insurance.
Make it relevant to you
Look at the details.
See how they fit.
Defined supplemental benefits can play a different role from the medical plan paying toward care. Review the qualifying events and payment amounts before deciding.
A question to bring:
How would a hospital stay affect your out-of-pocket budget?
Three things to discuss.
- Compare covered hospital events, procedures and benefit limits.
- Review qualifying conditions and any waiting periods.
- Confirm family eligibility, premiums and 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.
Will it pay my entire hospital bill?
Not necessarily. Policy benefits and your actual charges can differ.
Can it pay alongside health insurance?
Yes, for covered events under the supplemental policy's terms.
Is outpatient care always included?
No. Covered procedures and related services depend on the chosen plan.
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