Our summary below outlines how Hospital Indemnity carriers are underwriting for disabilities.

CRITERIACONDITIONS    
Confined to Nursing FacilityConfined to HospitalBedriddenUse of WheelchairReceiving Home Health
Don't Ask28%28%62%66%62%
Less than 1 Year31%41%28%34%14%
1-5 Years41%31%10%0%24%
6-10 Years0%0%0%0%0%
10+ Years0%0%0%0%0%

*Information was taken from CSG Actuarial’s Q1 2017 Hospital Indemnity Competitive Intelligence Guide.


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CSG Actuarial monitors insurance markets to provide the most up-to-date competitive intelligence in the industry. CSG’s MarketAdvisor™ Quoting Tools include premium rate and underwriting information for more than 300 companies.

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