Would extra cash in your pocket help you if you were hospitalized?

The Hospital Sickness Insurance benefit pays in addition to any other coverage you have. Hospital Sickness Insurance pays benefits directly to you regardless of any other coverage you have, and if your medical plan has a high deductible, you may need the cash. It’s not easy to afford hospitalization, but with Hospital Sickness Insurance, we’ve got you covered.

How does Hospital Sickness Insurance work?

Hospital Sickness Insurance pays money directly to you if you get hospitalized due to an illness. It’s not easy to pay hospital bills, especially if you have a high deductible medical plan. With Hospital Sickness Insurance, you can focus on your recovery instead of wondering how you are going to afford the bills. And since the cash goes directly to you, there are no restrictions on how you use your money.

The Family Security Plan® Hospital Sickness Insurance features:

Guaranteed Renewable

Your coverage cannot be cancelled as long as your premiums are paid as due.

Fully Portable

You can keep your policy even if you change jobs or retire.

No Age Penalty

Your rate will never change due to your age.


  • Hospital Confinement Benefit

  • Rehabilitation Unit Confinement Benefit

  • Observation Unit Benefit

  • Wellness Benefit

  • Ground or Water Ambulance Benefit

  • Air Ambulance Benefit

  • Emergency Room Benefit



  • Members age 18 through 65 

  • Spouses age 18 through 65, including domestic and civil union partners 

  • Children ages 0 through 26 

  • Simplified application process


Pre-Existing Conditions - A pre-existing condition is not covered unless the date of diagnosis is at least 12 months after your coverage is in force. A pre-existing condition is a condition for which a covered person received medical advice or treatment within 12 months immediately prior to the Policy Effective Date.1
Childbirth - Within the first 10 months of your coverage, hospital benefits as a result of pregnancy, childbirth or complications of pregnancy are not covered. After coverage has been in force for 10 months or more, benefits for pregnancy and complications of pregnancy will be covered the same as a covered sickness. 2


No benefits will be paid for services rendered by a member of the immediate family.
No benefits will be payable for sickness or infection, including physical or mental condition, that is not caused solely by or as a direct result of a covered sickness.
No benefits will be paid for any sickness that is 
caused by, or occurs as a result of:

  • Committing or attempting to commit suicide or intentionally injuring himself or herself;

  • Being exposed to war or any act of war, declared or undeclared, or serving in any of the armed forces or units auxiliary thereto; 

  • Alcoholism;

  • Voluntary inhalation of or asphyxiation by gas or fumes;

  • Elective surgery;

  • Cosmetic surgery, except when due to reconstructive surgery needed as the result of an Injury or Sickness, or is related to or results from a congenital disease or anomaly of a covered Dependent Child; and congenital defects in newborns;

  • Mental and nervous disorders (except as provided in the policy);

  • Any pregnancy or childbirth of a dependent child, including services rendered to the child after birth;

  • Routine newborn care.

1. In Kentucky, a pre-existing condition is not covered unless the date of diagnosis is at least 6 months after the policy issue date. In Kentucky, Maine, Montana, South Dakota and Wyoming a pre-existing condition is a condition in which a covered person received medical advice or treatment within 6 months prior to the Policy Effective Date.
2. There is no childbirth limitation in Florida, Kansas, Montana and Vermont.


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PFP is a Life and Accident/Health insurance agent. Insurance products not available in all states. Schmitt-Sussman Enterprises, Inc. dba PFP, NPN #953614