All benefits
Hospital Indemnity Insurance
Extra Financial Protection During a Hospital Stay
ACE HI Enhanced and ACE HI Enhanced Plus
Pays fixed cash benefits for covered hospital-related treatment resulting from qualifying accidents or sicknesses.
Hospital admission
$1,500 / $2,000
Enhanced / Enhanced Plus, 1 per calendar year
Hospital confinement
$200/day
Both plans, up to 30 days
ICU confinement
$300 / $400
Per day, Enhanced / Enhanced Plus
Enhanced vs. Enhanced Plus
Covered BenefitEnhancedEnhanced Plus
Emergency roomEnhanced:$75/dayEnhanced Plus:$150/day
Hospital admissionEnhanced:$1,500Enhanced Plus:$2,000
Hospital confinementEnhanced:$200/dayEnhanced Plus:$200/day
ICU confinementEnhanced:$300/dayEnhanced Plus:$400/day
Rehabilitation confinementEnhanced:$150/dayEnhanced Plus:$200/day
Hospital observation unitEnhanced:Not includedEnhanced Plus:$50
Outpatient surgeryEnhanced:Not includedEnhanced Plus:$500/day
Basic diagnostic testingEnhanced:$100/dayEnhanced Plus:$100/day
Advanced diagnostic testingEnhanced:$200/dayEnhanced Plus:$250/day
Invasive diagnostic testingEnhanced:$300/dayEnhanced Plus:$500/day
Health screeningEnhanced:$75/yearEnhanced Plus:$100/year
Follow-up doctor visit or telemedicineEnhanced:$25/dayEnhanced Plus:$35/day
Important benefit limits
- Emergency room: Maximum 2 days per calendar year.
- Hospital admission: Maximum 1 benefit per calendar year.
- Hospital confinement: Maximum 30 days per confinement and per calendar year.
- ICU confinement: Maximum 10 days per confinement and per calendar year.
- Rehabilitation confinement: Payable for days 2–31, maximum 30 days per confinement and per calendar year.
- Observation unit: Enhanced Plus only, maximum 2 benefits per calendar year.
- Outpatient surgery: Enhanced Plus only, maximum 1 day per calendar year.
- Diagnostic testing: Maximum 3 days per calendar year for Enhanced and 9 days for Enhanced Plus.
- Doctor visits/telemedicine: Maximum 6 days per confinement and per calendar year, following qualifying care.
Important information
Benefit amounts shown are based on the proposed plan designs. Actual payments depend on the selected coverage, covered event, policy definitions, applicable limits, exclusions, and other policy conditions. Disability benefits may be reduced by other sources of income.
Questions about this coverage? Ryan can walk you through it.