Our summary below outlines how Hospital Indemnity carriers are underwriting for disabilities.
| CRITERIA | CONDITIONS | ||||
|---|---|---|---|---|---|
| Confined to Nursing Facility | Confined to Hospital | Bedridden | Use of Wheelchair | Receiving Home Health | |
| Don't Ask | 28% | 28% | 62% | 66% | 62% |
| Less than 1 Year | 31% | 41% | 28% | 34% | 14% |
| 1-5 Years | 41% | 31% | 10% | 0% | 24% |
| 6-10 Years | 0% | 0% | 0% | 0% | 0% |
| 10+ Years | 0% | 0% | 0% | 0% | 0% |
*Information was taken from CSG Actuarial’s Q1 2017 Hospital Indemnity Competitive Intelligence Guide.
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