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 average three day hospital stay runs $30,000. Insurance covers much of that, but some additional expenses often remain. The 5Star Life Insurance Company Healthcare Indemnity insurance 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?*

* May vary based on employer selection.
  • Hospitalization
  • ER Visits
  • 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

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 and contact information.


Need Resources? Click below to download employee marketing materials.


We look forward to being on our way together and exploring the great new places our journey will take us. Give us a call, and let’s get going!

Brent Cotton
612-590-0086
bcotton@afba.com

Dan Ealy
317-919-7720
dealy@afba.com

Marc Hardage
405-317-1606
mhardage@afba.com

John Howard
312-767-9169
jhoward@afba.com

The journey to health and well-being starts with planning for tomorrow, today.

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


Looking for general information about 5Star Life group plans?

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