Indemnity Insurance Plans
Fixed-benefit plans that pay cash directly to you — regardless of your other coverage. No networks, no claim forms to your doctor, no waiting for reimbursement. These plans fill the gaps that Medicare alone can leave wide open.
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What Makes Indemnity Plans Different?
Most insurance reimburses your doctor or hospital. Indemnity plans work differently — they pay you a fixed cash benefit when a qualifying event happens. An accident. A hospital stay. A cancer diagnosis. The money goes directly into your bank account, and you decide how to use it.
This matters because Medicare — even with a supplement or advantage plan — doesn’t cover everything. Copays, deductibles, travel for treatment, lost income while recovering, help around the house during recovery. These costs add up quickly, and they’re the expenses most people don’t plan for.
Indemnity plans from UnitedHealthOne are underwritten by Golden Rule Insurance Company, rated A+ by A.M. Best — one of the highest financial strength ratings in the industry. They’re guaranteed renewable for life, available in 44+ states, and several offer guaranteed issue enrollment with no health questions whatsoever.
Three Plans. Three Kinds of Protection.
Each plan covers a different risk — and they can be combined for comprehensive protection. Most people who review all three realize they need at least two.
AccidentWise
Accident Injury Protection
Ages 18–75
From $15/mo
Cash benefits paid directly to you after an accidental injury. Emergency room visits, hospital stays, follow-up care, outpatient surgery — even accidental loss of life. No networks, no referrals, no medical underwriting.
Up to $20,000 per accident
ER, urgent care, surgery & follow-up covered
Premiums never increase due to age
Children covered at no extra cost
AdvantageGuard
Hospital Indemnity Coverage
Ages 60–90
From $3/mo
A daily cash benefit every day you spend in the hospital — paid on top of Medicare, Medigap, or Medicare Advantage. Designed for adults 60–90 who want a financial cushion when the unexpected happens.
Up to $3,000/day hospital benefit
Optional cancer, Rx, ER & nursing facility riders
Stacks with Medicare — no coordination required
8 optional riders to customize coverage
CriticalGuard
Critical Illness Lump-Sum Protection
Ages 18–90
From $13/mo
A one-time lump-sum payment upon diagnosis of cancer, heart attack, stroke, or other critical conditions. Use it however you need — medical bills, mortgage, travel for treatment, lost income. No restrictions on how you spend it.
Up to $100,000 lump-sum benefit
Cancer, heart attack, stroke & more
COVID-19 ICU benefit included
Children covered at 50% — no extra cost
Why Most People Carry More Than One
Consider what actually happens when something goes wrong. You slip on ice and break your hip — AccidentWise covers the ER visit, the surgery, and follow-up therapy. But if you’re in the hospital for four days, AdvantageGuard pays a daily cash benefit on top of that. And if the fall leads to a discovery of something more serious? CriticalGuard provides a lump sum to help you focus on recovery instead of bills.
These aren’t redundant — they cover different events with different benefit structures. And because they’re fixed-benefit plans, they pay regardless of what Medicare or any other insurance covers. There’s no coordination of benefits, no claim reductions, no surprises.
Common Combinations
AccidentWise + AdvantageGuard
Active adults who want protection for both accidents and hospital stays
CriticalGuard + AdvantageGuard
Seniors with family history of cancer or heart disease who want both lump-sum and daily hospital coverage
All Three Plans
Those who want comprehensive protection across accidents, hospital stays, and critical illness diagnoses
Side-by-Side Comparison
| Feature | AccidentWise | AdvantageGuard | CriticalGuard |
|---|---|---|---|
| Covers | Accidental injuries | Hospital stays | Critical illness diagnosis |
| Payout Style | Per-service amounts | Daily cash benefit | One-time lump sum |
| Issue Ages | 18–75 | 60–90 | 18–90 |
| Guaranteed Issue | Yes — all amounts | Up to $1,500/day | Up to $5K–$10K |
| Health Questions | Never | Only above $1,500/day | Only above GI limit |
| Waiting Period | None | None (base plan) | 30 days |
| Preexisting Exclusion | None | 6 months | 12 months |
| Network | Any provider | Any provider | Any provider |
| Renewable | Guaranteed for life | Guaranteed for life | Guaranteed for life |
| Starting Premium | ~$15/mo | ~$3/mo | ~$13/mo |
All plans underwritten by Golden Rule Insurance Company (A.M. Best A+ rated). Benefits vary by state. These are fixed indemnity plans — not Medicare Supplement or major medical insurance.
Find Out Which Plans Fit Your Situation
A licensed agent can review your current Medicare coverage, identify the gaps, and show you exactly which indemnity plans make sense — with no obligation and no pressure.
Benefits and availability vary by state.
Get Your Free Indemnity Plan Review
We'll match you with the right combination of plans based on your age, state, and coverage goals.