Hospital Confinement Indemnity Insurance

	Hospital Confinement Insurance
		Medical BridgeSM
		Intensive Care

Why Hospital Confinement Indemnity Insurance?

Going to the hospital is something you hope you or your family will never have to experience. However, if you had to stay in the hospital, do you have enough money set aside to cover the out-of-pocket costs associated with a hospital stay? What if you had to be in the hospital for a week or more? Those charges add up. How would you pay the expenses that accumulate with each day you are in the hospital?

Consider these statistics:

In 2003, the average length of stay in a hospital was 4.8 days.

Source: Injury Facts, National Safety Council, 2005-2006 edition

Hospital spending in 2003 rose to $516 billion, a 6.6 percent increase over 2002.

Source: Centers for Medicare and Medicaid, Office of the Actuary, 2005

In the United States in 2003, the average cost per inpatient day was $1,468.00.

Source: National Health Statistics Group, 2000-2004.

Why wait until after a hospital stay to learn about the gaps in your major medical coverage and the expenses that aren’t covered? Colonial’s hospital confinement indemnity insurance, Medical BridgeSM, can help.

Medical BridgeSM

	Medical BridgeSM Insurance

Benefits from Medical BridgeSM are paid as a lump sum per covered hospital confinement or covered outpatient surgery and will be paid directly to you, unless you specify otherwise, regardless of any other insurance you may have with other insurance companies.

Medical BridgeSM provides supplemental benefits for:

Confinement to a hospital due to a covered accident or covered sickness.
Outpatient surgical procedures performed by a doctor, using anesthesia administered by a licensed anesthesiologist in a hospital or ambulatory surgical center.

The benefits from this plan can be used in any way you like including to help pay the expenses related to a hospital stay, such as:

Travel expenses to and from the hospital.
Lodging for your family members while you are in the hospital.
Child care for your family.
Other out-of-pocket hospital expenses not covered by your major medical coverage.

Coverage is available for you, your spouse and your dependent children. Plus, Medical BridgeSM offers several benefit amounts so that you can choose the coverage that best meets your individual needs. Medical BridgeSM is portable, which means you can take your coverage with you if you change jobs or retire.

Coverage is also guaranteed renewable for life as long as premiums are paid when they are due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued.

A choice of optional riders are available and can be purchased at an additional cost. These riders provide coverage for either accident or accident and sickness emergency room treatment and doctor office follow-up visits after a hospital confinement or outpatient surgical procedure. A health screening rider is also available to help you pay for preventive care for you or a covered family member.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.

Applicable to policy form HCOS and rider forms R-ERDR-AS, R-ERDR-A, R-HSR. If you are in Virginia, please read this important information.

Medical BridgeSM 1000

	Medical BridgeSM 1000 Insurance

Medical BridgeSM 1000 is Colonial’s newest hospital confinement indemnity insurance product. This product features benefits for hospital confinement and outpatient surgery resulting from covered accidents and covered sicknesses, but with higher benefit amounts available for outpatient surgery. Additionally, Medical BridgeSM 1000 has plans that provide optional benefits in cases of covered accidents and covered sicknesses for:

Visits to a doctor’s office.
Specified diagnostic testing procedures.

An optional Emergency Care Rider is available with Medical BridgeSM 1000 plans at an additional cost. This rider pays benefits for visits to the emergency room, as well as transportation by ambulance or air ambulance in the event of a covered accident or a covered sickness.

Coverage is available for you, your spouse and your dependent children. Plus, Medical BridgeSM 1000 offers several benefit amounts so that you can choose the coverage that best meets your individual needs. Medical BridgeSM 1000 is portable, which means you can take your coverage with you if you change jobs or retire.

Coverage is also guaranteed renewable for life as long as premiums are paid when they are due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued.

Applicable to policy form MB1000 and rider form R-ECR, including state variations if applicable.



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	"Colonial Supplemental Insurance" and the logo, separately and in combination, and "for what happens next" are service marks of Colonial Life & Accident Insurance Company. Colonial Supplemental Insurance products are underwritten by Colonial Life & Accident Insurance Company. Coverage has exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states. See your representative for complete details. Colonial Supplemental Insurance is the marketing brand of Colonial Life & Accident Insurance Company.