Pays you starting on day one of your hospitalization...and there are no deductible amounts.

Pays you directly or anyone you choose, so that you can put the money toward expenses not covered by your basic health insurance or use the money any way you see fit, or you can assign it to a provider.

Pays you for each and every day that you are hospitalized for up to a full 365 days per confinement for injury or sickness... or up to 60 days for hospitalizations due to mental or nervous disorders.

Pays you regardless of any other benefits or coverage you may have.

Pays you full benefits even if you are hospitalized in a U.S. Government facility.

Members are eligible for AFAVBA Group Coverage.
You and your family are eligible for this AFAVBA Hospital Indemnity Program at the economical group rates for which you qualify. If you wish to cover yourself only, choose the Individual Plan. If you wish your spouse covered as well, choose the Limited Family Plan. If you would like to cover yourself, your spouse and all of your eligible dependent children, choose the Full Family Plan.

Renewable Coverage.
You cannot be cancelled regardless of the number of claims you make. Only you can cancel as long as the Master Policy with AFAVBA remains in force and your premiums are paid on time.

Pre-existing Conditions Limitations:
Injuries sustained or a sickness for which an insured person has received medical treatment or advice from a physician within 12 months (in CA: 6 months immediately prior to the Effective Date of Coverage; in PA 90 days) prior to the effective date of insurance, are considered to be Pre-existing conditions. A confinement resulting from a Pre-existing condition will not be covered until after 12 consecutive months (in CA: 6 consecutive months), during which time the insured person is covered under the policy and receives no medical treatment or advice (except in CA and PA). The plan is subject to the terms, conditions, exclusions and limitations of the group policy.

You choose the payment option that’s convenient.
Two payment methods are offered for your convenience. You may choose to be billed quarterly or have these quarterly premiums automatically deducted from your bank account through our direct deposit program. Many people choose this latter way so as to eliminate additional bills and the necessity of writing and mailing checks.

You must be satisfied or your money back!
If you are not completely satisfied with your coverage when you receive your Certificate of Insurance, simply return it to us within 30 days of receipt. Any premium paid will be refunded to you in full.

3 Plans with 4 Levels of Benefits
available to suit your needs!