Indemnity Plans
Cash Benefits When You Need Them Most
Accident, heart attack, stroke, and cancer plans that pay you directly — so you can focus on recovery, not bills.
Get a Free QuoteWhat Are Indemnity Plans?
Indemnity plans pay a fixed cash benefit directly to you when you experience a covered event — regardless of what your primary health insurance pays. Use the money however you need: medical bills, lost income, travel for treatment, or everyday expenses while you recover.
Accident Insurance
Pays a lump-sum or scheduled benefit when you're injured in a covered accident — from emergency room visits to fractures, dislocations, and more.
- Covers ER visits, hospitalization, and follow-up care
- Benefits for fractures, burns, and dislocations
- Pays regardless of other insurance
- Affordable monthly premiums
Heart Attack & Stroke
A lump-sum cash benefit paid directly to you upon diagnosis of a covered heart attack or stroke — helping cover costs your health plan may not.
- Lump-sum benefit on first diagnosis
- Covers heart attack, stroke, and related events
- Use funds for any expense — medical or personal
- No network restrictions on how you spend benefits
Cancer Insurance
Provides cash benefits upon a cancer diagnosis to help cover treatment costs, travel, lost wages, and other expenses during your fight.
- Lump-sum benefit on initial cancer diagnosis
- Covers a wide range of cancer types
- Benefits for chemotherapy, radiation, and surgery
- Complements your existing health coverage
Why Indemnity Coverage Matters
Even with good health insurance, a serious illness or accident can leave you with significant out-of-pocket costs. Indemnity plans fill those gaps.
Covers What Health Insurance Doesn't
Deductibles, copays, and out-of-network costs can add up fast. Indemnity benefits go directly to you — no claims process with your doctor.
Protects Your Income
A serious accident or illness can mean weeks or months away from work. Cash benefits help replace lost wages while you recover.
No Restrictions on How You Spend It
Unlike health insurance, indemnity benefits are paid directly to you. Use them for rent, groceries, travel to specialists, or anything else you need.
Affordable Add-On Coverage
Indemnity plans are designed to complement your existing coverage at a low monthly cost — not replace it.
Common Questions
Get Protected Today
A licensed agent will help you find the right indemnity plan to complement your existing coverage.