Health ProtectorGuard Inpatient Hospital ServicesThe Health ProtectorGuard series offers the most robust hospital benefits in the fixed-indemnity industry. All plans offer benefits for unlimited days of confinement for inpatient hospital stays. The ICU benefit is in addition to the hospital confinement benefit. The intensive care unit or critical care unit has a benefit period up to 31 days per a year.

Hospital Services for Health ProtectorGuard

Inpatient Hospital Confinement is an unlimited benefit period.

  • Choice Value: $1,000 / Per a Day
  • Choice Plus: $2,000 / Per a Day
  • Select Value: $3,000 / Per a Day
  • Select Plus: $4,000 / Per a Day
  • Premier Plus: $5,000 / Per a Day

Important Benefit – Notice – The amount listed above have an increasing benefit for hospital stays due to injury. The Inpatient hospital benefits increase 25% each year, years 2-5 for injury related hospital stays.

Inpatient Hospital Confinement and Increasing Injury Benefit

 

Health ProtectorGuard ICU and CCU Added Benefits

Inpatient ICU (Intensive Care Unit) or CCU (Critical Care Unit) pay additional benefits. Notice, these benefits are in addition to the Hospital Confinement benefit. So for example the Select Plus Plan would cover $12,000 per a day in the ICU, and this would also be in addition to any other Health ProtectorGuard benefits, such as Surgery Benefits, Inpatient Doctor’s Visits, etc.

  • Choice Value: $2,000 / Per a Day
  • Choice Plus: $4,000 / Per a Day
  • Select Value: $6,000 / Per a Day
  • Select Plus: $8,000 / Per a Day
  • Premier Plus: $10,000 / Per a Day

ICU CCU with Health ProtectorGuard

 

In-patient doctor’s visits, Emergency room, and Ambulance with hpg

In the event you end up needing to visit an ER or need an Ambulance or Life Flight, then Health ProtectorGuard has additional benefits as outlined below. Furthermore, once a member is hospitalized, the plan will offer coverage for in-patient physician visits. Keep in mind all of these benefit keep adding up, in conjunction with the other benefits of the HPG plan.

In-patient physician visits are paid as follows:

  • Choice Value: $100 – Once Per a Day
  • Choice Plus: $100 – Once Per a Day
  • Select Value: $100 – Once Per a Day
  • Select Plus: $100 – Twice Per a Day
  • Premier Plus: $100 – Twice Per a Day

The plan benefits allow for 2 Emergency Room Benefits per a year and pays as follows:

  • Choice Value: $200 / Per a Day
  • Choice Plus: $200 / Per a Day
  • Select Value: $300 / Per a Day
  • Select Plus: $400 / Per a Day
  • Premier Plus: $500 / Per a Day

Ground or water Ambulance benefits will pay a maximum of once a year:

  • Choice Value: $500 – One Trip Per Year
  • Choice Plus: $500 – One Trip Per Year
  • Select Value: $500 – One Trip Per Year
  • Select Plus: $1,000 – One Trip Per Year
  • Premier Plus: $1,000 – One Trip Per Year

Inpatient Physician Visits, ER, and Ambulance for Health ProtectorGuard