Supplemental Insurance



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Why Hospital Confinement Insurance?

Most people plan for the unexpected by purchasing medical insurance to cover the cost of care related to hospital confinement.  Something many people don’t consider is their out-of-pocket medical expenses and other daily living expenses. For example, in 2009, the average hospital stay was 4.6 days, with average hospital charges and out-of-pocket costs totaling $26,120 and $8,692, respectively*, in addition to daily living expenses. That's why we suggest considering supplemental hospital insurance.

A hospital supplemental insurance plan through SureBridge is simple. It pays a cash benefit directly to you for each day you are hospitalized due to a wide range of different illnesses, accidents or injuries, providing you with additional financial support in a variety of circumstances. This money can be used for anything you choose. It’s your money, your decision.

Cash Benefits Can Be Used For

  • Copays or Coinsurance

  • Rent or Mortgage

  • Car Payments

  • Child Care

  • Everyday Living Expenses


HospitalWise at a Glance

  • Pays up to $1,000 daily benefit for each day of confinement in a hospital due to sickness or injury with no waiting period

  • Benefits paid directly to you -- not your doctor or hospital

  • Coverage is available for the whole family -- you, your spouse, and your kids

  • Affordable premiums that do not increase as you get older with coverage starting at just $12.54 per month

  • Additional benefits for outpatient surgery, emergency room visits, and more are available


No-Hassle Application Process

  • Sign up in minutes!

  • No medical history checks

  • No prescription checks

  • No personal history interview

Questions about Hospital Confinement Insurance

Are there any restrictions on how I use the money?

No, you can use the cash paid to you however you choose.

How do I receive the money?

If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.

How is supplemental insurance different from medical insurance?

If you have medical insurance and you are injured or sick, it pays for covered services such as a doctor’s visit or hospitalization; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.

Is supplemental insurance expensive?

SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.

What if multiple family members are admitted to the hospital at the same time?

SureBridge will pay a predetermined amount for each hospitalized family member covered by the policy.

Why do I need Hospital Confinement if I already have medical insurance that should pay the majority of my hospital bills?

There are frequently unexpected costs associated with a hospital stay that medical insurance does not cover, such as deductibles, child care, and other daily living expenses. Hospital Confinement Direct is designed to help cover these costs with the cash benefit paid directly to you.

Why do I need supplemental insurance from SureBridge if I already have medical insurance?

Medical insurance is very important but it is only part of the protection you need. You may also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses in cases you are injured or sick and unable to work. Supplemental insurance pays you a cash benefit so that you can use it however you need.

Will I get a benefit check if my health insurance covers my hospital stay?

Yes. Supplemental insurance from SureBridge pays you, even if your health insurance policy covers your hospitalization.

Will I receive money if I am admitted to the hospital for a pre-existing condition?

No. SureBridge will only pay benefits for hospital visits related to illness or injury diagnosed after the policy effective policy.

How can I get more information? 

Contact one of our licensed insurance agents today by (800) 650-0922. They will be able to provide you with a brochure and plan recommendations.

Disclaimer: The Hospital Confinement plan, HospitalWise, is administered through The Chesapeake Life Insurance Company and not through Covered California. The benefits listed are not available on all plans and are provided as a summary. Please review the company-specific product brochure for specific plan benefits.This plan should not be used as a substitute for comprehensive health insurance coverage. It is not considered Minimum Essential Coverage under the Affordable Care Act.