Fixed Indemnity Insurance: Transparent, Simple Coverage

With fixed indemnity plans such as ManhattanLife Affordable Choice, you receive set payments for covered services regardless of what the provider charges. Many plans have no deductibles or coinsurance, making it easier to budget for care.

Main benefits

• No deductibles or coinsurance: Full scheduled benefit from day one on covered services.
• Hospital admission benefit: One-time payment when admitted.
• Cancer benefit: Daily indemnity for radiation, chemotherapy, and immunotherapy.
• First-dollar doctor visits: Fixed payment per office visit.
• Visit transfer: Unused visit benefits may transfer between spouse and children on some plans.
• Prescriptions: Fixed daily amount for covered medications in network.

Sample plan levels

Elite Plus (example): Hospitalization $6,000/day · Admission $3,000 · ER $300/day · Doctor visits $200 · Cancer $2,000/day · Rx $75/day

Classic (example): Hospitalization $2,000/day · Admission $1,000 · ER $250/day · Doctor visits $75 · Cancer $1,000/day · Rx $25/day

Plans typically renew automatically and are available for individuals, spouses, and children. Premiums vary by age and plan level.