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Frequently Asked Questions
Can I get coverage if I already have a health plan?
It depends. Some people consider changing their plan or coordinating benefits, but this varies by insurer and plan rules. Each case is reviewed individually to avoid duplication or unrealistic expectations.
Do I have to use a specific network of doctors or hospitals?
Yes, in many plans. Network availability and coverage depend on the plan type (e.g., HMO/PPO or other options). There may also be differences between in-network and out-of-network services. This is validated based on the plan you select.
Don't let a hospital stay affect your finances. Book your appointment and access smart coverage.
Financial Support in the Event of an Unexpected Hospitalization. Hospitalization coverage is a supplemental benefit designed to help you manage additional expenses when you are hospitalized. Many policies pay a fixed benefit per day of covered hospitalization, subject to the terms of the contract and the claims process. It can help with deductibles, household expenses, transportation, or temporary income interruptions. Schedule an informational consultation (free of charge/no obligation to purchase).
**Educational information. Products subject to eligibility, conditions, exclusions, and insurer approval. Payments subject to documentation and claims process.**
Who is it for?
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Self-employed or independent professionals without employer benefits.
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Business owners with variable income who want additional coverage in case of hospitalization.
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Individuals who want supplemental coverage to their health plan or Medicare/Advantage (as applicable).
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Hospitalization Coverage
How does it work?
If a hospital admission meets the definition of "covered hospitalization," the insured can file a claim with the required documentation (e.g., admission and discharge records). Once the claim is approved, the policy pays a predetermined daily or event amount, according to the terms, limits, and exclusions of the contract. The insured decides how to use these funds based on their priorities.
Key Benefits
Fixed benefit for covered hospitalization, payable to the insured or beneficiary according to the policy.
It can complement other medical plans, since the payment does not necessarily depend on the actual cost of the hospital (it depends on the contract).
Some policies may include additional benefits for intensive care, surgeries, or other events, if they are covered.
It can offer flexibility in using the benefit for non-medical expenses (transportation, care, business obligations), according to your needs.
Scope and definitions (e.g., “eligible hospital”) depend on the policy.
Stages of the Process
Initial assessment: we review needs, lifestyle and the level of financial exposure in the event of hospitalization.
Selection of options: we define daily profit range and additional rider/benefits, if applicable.
Application and issuance: process subject to health questions and/or simplified evaluation according to the policy.
Use of the benefit: activation by claim and documentation when a covered event occurs.