Affording a Family Medical Leave

12% of pregnancies result in premature birth. When this happens there are often left-over medical bills, plus mom often needs to take extended time away from the job to care for her newborn at home - on unpaid leave.

Multiple pregnancies are one of the leading factors behind premature birth, and low birth weight babies. 

Hospital Indemnity Insurance will pay an additional benefit for each infant that is born and spends time in the neonatal intensive care unit for medical reasons.  This extra benefit will be sorely needed.

Example: NICU Hospital Stay Benefit

Let's suppose you are utilizing IVF treatments and conceive a multiple pregnancy - twins. Your twins are born weeks premature, and spend six nights in the NICU before being released. Your hospital indemnity policy pays an admission benefit for each child, and in some cases an additional benefit based upon the number of nights confined - for each child.

Begin your policy at least 3 months before conception

• Your pregnancy may not go full term
• There is a 9 month exclusion for normal delivery
• Your child may be born inside the exclusion period