H3: Medical Expense Insurance (Section I)

Indemnity Type Plans

Indemnity type Plans

Indemnity Plans, claim forms are typically completed and submitted by the participant (insured)

3 Basic Medical Expense Policies

Hospital Expense

Surgical Expense

Physicians Visit Expense

Possible Benefit Structures for Surgical Expense Policies

First $ Coverage

Methods of Reimbursements

Reimbursement

Indemnity

Service

2 Major Medical Expense Policies

Comprehensive

restoration of benefits

Supplemental

Basic + Supplemental= Comprehensive

Corridor Deductibles