Fixed Indemnity Insurance Without the Guesswork
Predictable cash-based benefits to help with medical expenses.
What Is Fixed Indemnity Insurance?
Fixed indemnity insurance provides a set cash benefit for covered medical services, regardless of the actual bill.
Is Fixed Indemnity Right for Me?
Fixed indemnity insurance is designed for people who:
- Want help managing everyday healthcare expenses
- Need benefits that pay directly to them
- Want to choose their own doctors and hospitals
- Prefer predictable payouts
- Already have major medical coverage but want extra protection
If you’re looking for flexible coverage that pays cash benefits for common medical services, fixed indemnity insurance could be a good fit.
What's Included
SGIC FIXED INDEMNITY PLANS TYPICALLY OFFER:
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Set cash benefits paid directly to you or your provider |
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Coverage for common care like doctor visits, hospital stays, lab work, and more |
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Budget-friendly premiums |
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Flexibility to choose any doctor or hospital across the country |
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Add-on protection for accident, critical illness, or hospital stay benefits |
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Quick and easy qualification with only a few short questions |
Fixed benefit payouts can make budgeting for healthcare costs easier.
Our knowledgeable, U.S.-based staff is here to help you find the plan that’s right for you and your family.
What's Included
SGIC FIXED INDEMNITY PLANS TYPICALLY OFFER:
Set cash benefits paid directly to you or your provider
Coverage for common care like doctor visits, hospital stays, lab work, and more
Budget-friendly premiums
Flexibility to choose any doctor or hospital across the country
Add-on protection for accident, critical illness, or hospital stay benefits
Quick and easy qualification with only a few short questions
Fixed benefit payouts can make budgeting for healthcare costs easier.
Our knowledgeable, U.S.-based staff is here to help you find the plan that’s right for you and your family.
How Much Does Fixed Indemnity Insurance Cost?
Premiums vary by age, location, and plan selection. With SGIC, you get flexible benefit and plan options so you can find the coverage that works for you.
Coverage range ($-$$$)
Pay monthly or annually
Fixed cash payouts for covered services
How Does Fixed Indemnity Insurance Work?
Apply
Choose your plan and coverage start date.
Use
Visit your provider, and get the care you need.
Payment
Issued
SGIC pays a set cash benefit per service directly to you or your provider.
Trusted by Members, Year After Year
Thousands of policyholders choose SGIC not just once but again when it’s time to renew. Our high member renewal rates reflect the confidence people place in our coverage and our service.
Predictable Benefits. Trusted Foundation.
SGIC Fixed Indemnity plans are state-regulated and supported by trusted, licensed administration—so you can feel confident in the coverage you choose.
Frequently Asked Questions
How is fixed indemnity different from major medical insurance?
Fixed indemnity plans pay a set dollar amount for covered services, no matter what the provider charges. They are not major medical insurance and are meant to help with everyday healthcare costs, not replace comprehensive coverage.
Do I need to submit claims?
You may need to submit a claim to receive your benefit payment. Check your plan details for instructions, or call Customer Service at (888) 912-4767 if you need help.
Can I use fixed indemnity with my current insurance?
Yes. Many people use fixed indemnity alongside other coverage to help with out-of-pocket costs like deductibles, copays, and everyday medical expenses. It can also be used on its own.
What types of services are covered?
Coverage varies by plan, but fixed indemnity typically provides set benefit amounts for services such as doctor visits, hospital care, and diagnostic tests. Review your plan details to see what’s included and how benefits are paid.
The information presented above is a brief description of the important features of this insurance plan. It is not an insurance contract. Coverage is subject to meeting eligibility requirements. Coverages are described in general and may vary depending on your state of residence and plan purchased. Deductibles, limits, waiting periods, limitations and exclusions may apply. Actual benefits are determined by the terms and conditions of your policy and certificate alone. The plan described here does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to HealthCare.gov.