Healthcare Indemnity Insurance

Protecting families and their financial security

Life can be full of unwelcomed mishaps and being prepared for the unexpected is important. The 5Star Life Insurance Company Healthcare Indemnity policy pays cash benefits from day one when employees or their family members are hospitalized or receive other covered medical treatment.

In addition to peace of mind and financial flexibility, the policy:

Helps offset expenses not covered by employer-provided medical insurance such as deductibles, co-pays, and out-of-pocket costs.

Offers the convenience of employer payroll deduction and provides coverage for employees’ spouse and their children.

Gives employees the freedom to use the cash benefits as needed – to pay medical bills, everyday living expenses, or any other unexpected expenses.

Pays benefits directly to the employee or a designated medical provider regardless of what the employees’ primary insurance covers, with no coordination of benefits.

What are the covered events for employees and their families?
(Benefits may vary based on plan selected.)

  • Hospitalization
  • Trips to the Emergency Room
  • Ambulance services
  • Hospital admission
  • Doctor visits
  • Newborn baby care
  • Surgical benefits
  • Diagnostic services
  • Occupational and physical therapy
  • Rehabilitation
  • Home healthcare
  • CT scans and MRI
  • Well-being services
  • Health and preventative care screenings

Learn more

We offer plans for every budget and need. Plans that cover everyday needs, HSA compliant plans, etc. For costs and further details of the coverage, including exclusions, any reduction or limitations and the terms under which the policy may be continued in force, check out our resources below.


Underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company); Administered by NTT Data at 777 Research Drive, Lincoln, NE 68521. Product not available in all states. Policy #: 5SHIPOL. Page updated June 2021.


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