GTL has paid over $100.8 Million in Hospital Indemnity and Cancer Claims since January 1, 2017!*
GTL’s Advantage Plus® Hospital Indemnity Insurance has a potent one/two punch! Couple GTL’s fast, transparent claim processing with a 15 year track record of developing innovative hospital indemnity benefits, and it’s clear that Advantage Plus® continues to be the champion of the senior hospital indemnity industry!
See below for details on how GTL’s Advantage Plus® knocks out the competition:
FEATURES | GTL | SIMILAR COMPETITOR OFFERINGS |
ADVANTAGE |
Guaranteed Issue | Guaranteed Issue for ages 64½ – 65½ |
N / A | GTL |
Underwriting Ease | 6 month look back for inpatient confinement, 5 short underwriting questions | 12 month look back for inpatient confinement, 7 underwriting questions | GTL |
Easy Rate Structure | One rate for entire state, unisex rates | ZIP code rated male/female rates | GTL |
Benefit Period Flexibility | 1-day, 3-day, 6-day, 10-day or 21-day, 31-day** | 6-day, 7-day, 8-day, 9-day, 10-day, 31-day | GTL |
Benefit Options | $100 – $750 in $10 increments, $1,000 – $2,500 for 1-day |
$100 – $600 in $25 increments | GTL |
Ovservation | NO YEARLY LIMIT – covered at 100% of daily benefit | Observation limited to 6 days | GTL |
Inpatient Stays | Covers hospitalization at 12 hours of confinement with Short Duration Stay Rider; automatically included with the 3-day and 6-day benefit periods. Also available for 10-day and 21-day benefit periods. | Covers inpatient hospitalization at 24 hours of confinement | GTL |
Ask Mayo Clinic Online | Policyholder access to Ask Mayo Clinic online 24/7 | N / A | GTL |
Ambulance Rider | $50 – $400 daily benefit – No admittance needed – includes air ambulance – $4,800 lifetime max | Maximum of $250 daily benefit – $2,500 lifetime max | GTL |
Cancer Rider | Issue Age to 85 | Issue Age to 80 | GTL |
Cancer Rider | Includes Skin Cancer Benefits | N / A | GTL |
Cancer Rider | Cancer Recurrence Benefit available | N / A | GTL |
Skilled Nursing Rider Options | Days 1 – 50 OR days 21 – 100 | Days 1 – 50 available only | GTL |
Dental/Vision Rider | Dental/Vision Rider available | N / A | GTL |
GTL’s Advantage Plus vs The Competition
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