Fixed Indemnity

We help you fill coverage gaps and protect against accident and sickness or accident-only incidents with Fixed Indemnity solutions, tailored to your budget.

With 30+ Hospital Indemnity benefits and 9 additional optional riders, Everest brings your members and clients peace of mind when they face unexpected health events and financial stress.

With extensive benefit options, we cover hospital confinement, surgery, additional care, medical professional care, medical care facility confinement, and newborn indemnity. Our optional benefit riders include accidental death and dismemberment, accident medical expense, cancer, critical illness, and more.

Our flexible offering is fully integrated with an efficient process to market, enroll and submit a claim. We offer access to best-in-class administration support while giving you the ability to use the enrollment platform of your choice.

• Our offering

  • Employer Groups
  • Association Groups
  • Individual Markets

• Coverage features

  • Protection on a simplified or guaranteed issue basis
  • Age-banded rates (composite rates may be available for takeovers or specialty markets)
  • Full range of benefits available to under-65 members
  • Limited benefit options available to 65+ members (designed to complement Medicare Advantage)
  • Specialized gap protection offering:
    o Relief for individuals with high-deductible medical plans
    o A range of specialty care benefits
    o Initial treatment
    o Surgery coverage (in- and out-patient)
    o Supplemental care
    o Newborn- or child-related benefits
                                     (wellness, preventative, vaccinations, etc.)
    o Additional standalone coverage options
    o Hospital Indemnity
    o Cancer
    o Critical Illness
    o Accident Medical Expense
    o Accidental Death and Dismemberment
  • Policy terms, conditions, exclusions and limitations may vary by state.
    This product may not be available in all states.
    
     

• Get a quote

  To receive a quote, please reach out to our underwriting team at AHsupport@everestglobal.com.

• Capacity

  We recognize our customers’ needs are not all identical, and we offer flexible capacity and benefit levels.