Fixed Benefit Indemnity Plan
No open enrollment periods; your clients can secure coverage immediately at any time of the year.
The IHC Group Care Access Plan is an indemnity plan with hospital, surgical and critical illness insurance benefits for individuals and families.
The IHC Group Care Access Plan pays fixed-benefit amount to protect again covered medical expenses. Optional benefits include preventive wellness, diagnostic testing and physician office visits. No plan calendar year or lifetime dollar amount maximums. Daily benefits are paid for each covered illness or injury.
The plan automatically includes a lump sum $10,000 critical illness benefit for the primary insured and covered spouse, along with a $2,500 for each covered dependent child. As an option, the critical illness benefit may be increased to meet specific needs.