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Hospital Cash Plan

No one plans to get sick or injured – be prepared if it happens to you

This plan provides lump sum benefits for hospital confinement, outpatient surgery, and accidental injury or sickness. Hospital Cash Plan is a hospital indemnity plan – which means it pays a set amount if you’re confined in a hospital. The benefits are paid directly to you or your designee.

Available benefits for Hospital Cash Plan

Here’s an example of available benefits for this hospital indemnity plan.

Lump Sum for Hospital Confinement Lump Sum for Accidental Injury and Sickness Lump Sum for Outpatient Surgery
Five policy options:
  • $250
  • $500
  • $1,000
  • $1,500
  • $2,000
  • $150 for each emergency room visit
  • Within 72 hours of an accidental injury
  • $150 for each outpatient surgery
  • Paid per admittance/visit
  • For multiple surgeries within one admittance/visit, policy provides one cash payment
Maximum of one confinement for each insured per year Maximum payments per year:
  • Individual - 2
  • Single Parent - 4
  • Family - 6
Maximum payments per year:
  • Individual - 2
  • Single Parent - 4
  • Family - 6

Details about the optional daily benefit

An optional hospital indemnity/intensive care unit (ICU) daily benefit rider is available if you want additional coverage. We have three policy options:

  • $50/day ($200/day if ICU)
  • $100/day ($400/day if ICU)
  • $200/day ($800/day if ICU)

This rider pays benefits for a maximum of 30 days (varies by state) if you’re confined to a hospital under a doctor’s supervision – either because of an injury or illness. As long as the rider is in force, the benefit is paid on day one along with the lump-sum hospital confinement benefit. A period of confinement could be:

  • One continuous hospital confinement
  • Or two or more hospital confinements for the same or related injury or sickness (unless the confinements are separated by at least 180 consecutive days from the start of one to the beginning of another, in which case they would be treated as separate confinements)
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Hospital Cash Plan is Kanawha Insurance Company policy Form 90840 and optional rider policy Form 90841. Covers certain pre-existing conditions after a 12-month waiting period. Waiting periods apply to certain conditions; see policy form for details. The benefits and riders offered are supplemental and not intended to cover all medical expenses. Please see actual policy for complete details.

Bev's Story

story image "If I get sick, I want to count on my family for emotional support – not financial support."

"I've saved all my life so I could have a comfortable retirement. But then I started thinking about my health. I have health insurance, but I know it doesn't cover everything. What would happen if I have an accident or need surgery? Could I afford to pay for a long hospital stay?

"That's why I bought the Hospital Cash Plan. If something should happen, I'll have the cash I need on hand. I won’t have to dip into my savings – and I won't have to rely on my family."

Bev's story is a fictional example meant to illustrate the value of the Hospital Cash Plan. Actual premiums vary depending on the coverage amount selected.