Hospital/Surgical
The right health insurance program can be hard to find. We have a policy designed to provide you with reimbursement no matter which doctor or hospital you choose.
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Loyal Protection Plus
Loyal Protection Plus is a hospital confinement policy (Policy Form L-5400) to help cover the expenses of out-of-pocket costs and deductibles on your primary coverage. Choose your own option that includes the benefits you want and the protection you need for nearly every budget!

No matter how good your medical insurance is, when you’re hospitalized for an injury or illness there will probably be medical expenses and out-of-pocket costs that aren’t covered. Loyal Protection Plus provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you may have.

Whether you want an insurance policy that provides just the hospitalization benefits or one that also includes benefits like the Skilled Nursing Facility Benefit, First Diagnosis Cancer benefit or the At-Home Care Benefit, Loyal American Life Insurance Company can help with Loyal Protection Plus.

 


 

Policy Features
Plan A - Essential Coverage
Plan B - Complete Coverage
Plan C - Absolute Coverage

Hospital Confinement -

This benefit pays $7501 when you are confined to a hospital in excess of 24 hours. The benefit is payable once for each period of confinement2.

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x
x

Ambulance Benefit Rider -

This benefit pays $150 for ambulance transportation during a period of confinement limited to three times per calendar year for each covered person. This benefit has a lifetime maximum of $2,500 per covered person.

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x
x

Skilled Nursing Facility Benefit Rider3 -

After you have satisfied your 20 day elimination period, we will pay you the daily benefit of $125 for each day you are confined in a skilled nursing facility. This benefit is limited to 90 days for each period of confinement for each covered person. Your confinement must immediately follow a hospital stay of at least three consecutive days.


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At-Home Care Benefit Rider -

We will pay you $50 per day, for physician-ordered services of a private-duty nurse or registered nurse. This benefit is limited to 30 days for each period of care.



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Upgrade to the Ultimate Level with the First Diagnosis of Cancer Benefit Rider - a $5,000 lump sum benefit!

1$1,000 in VA.
2
Period of Confinement - Begins with the first day of confinement in a hospital because of a covered sickness or injury and ends when you have been out of the hospital and not confined to any other medical or skilled nursing facility for sixty (60) consecutive days.
3
In Iowa the coverage is for a nursing facility.


Additional Features:

  • Guaranteed Renewable for Life
  • Rates do not increase as you get older (subject to the company’s right to increase premium on a class basis)
  • Coverage is available individually or for every member of the family 
  • Issue ages 50 - 85

THIS IS A LIMITED POLICY, which should be used to supplement existing medical coverage.

Note: Riders require additional premium. 

Loyal Protection Plus is offered in 3 packages with different benefit levels, consisting of the base policy and various riders. The cost of the insurance varies according to the package chosen, which includes the cost of the base policy and riders.



Read Loyal Protection Plus - Hospital Confinement Exclusions and Limitations.


Ohio Outline of Coverage

 

This is a solicitation for insurance. Product and rider availability varies by state. Loyal Protection Plus (Hospital Confinement), Loyal American Affordable Health Benefits (Hospital/Surgical)  and Cash Advantage (Critical Illness) are underwritten by Loyal American Life Insurance Company. Cancer, Heart and Accident insurance are underwritten by United Teacher Associates Insurance Company. For specific costs and further details of the coverage, including exclusions and reductions or limitations and the terms under which the policy may be continued in force, contact the company. An insurance agent will contact you.

Website approved for use in: AL, AR, OH

 
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