Cardinal Choice

Accident & Sickness Hospital Indemnity Insurance

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Cardinal Choice

Underwritten by: Federal Insurance Company, a member insurer of the Chubb Companies.

Hospital and medical charges have risen significantly in the past few years. Most healthcare plans do not cover all the expenses when an individual becomes hospitalized. Unfortunately, most individuals need to rely on their savings to make up the difference.

Cardinal Choice is an indemnity health benefit that is intended to supplement your major medical health care plan. It pays a daily benefit for each day you are confined in a hospital, or depending on the plan you select, certain other medical services. Benefits are payable directly to you regardless of any other insurance you may have. These benefits may be used to help cover out-of-pocket medical expenses or any other expenses you may have.

Key Features

  • Guaranteed acceptance regardless of current state of health
  • Benefits are payable directly to the individual
  • Benefits can be used in any way an individual chooses – to cover additional costs like deductibles, co-pays or other out-of-pocket expenses, or to cover household or childcare expenses while hospitalized
  • Benefits are payable in addition to any other insurance that may apply

Available Plans

Choice 750
Choice 1000
Choice 1500
Choice 2000
Hospital Insurance - Underwritten by: Federal Insurance Company, a Chubb company
Inpatient Hospital Stay$750$1,000$1,500$2,000
Maximum Benefit Days (per Plan Year)10103090
Doctor Insurance - Underwritten by: Federal Insurance Company, a Chubb company
Physician Office Visit$75$75$100$100
Maximum Visits (per Plan Year)3666
Additional benefits

Who is it for?

Cardinal Choice is ideal for people who want:

  • Air and ground ambulance benefits available in some plans: Medical transport sometimes is necessary and this plan can provide benefits just in case.
  • Access to a national provider network: This plan provides access to Multiplan that can minimize out-of-pocket costs with approximately 900,000 providers and facilities under contract.
  • Telemedicine benefits with Teladoc for 24/7 access to medical advice: You never know when you may need a doctor’s advice or where you will be. This benefit is designed to go wherever you go.

The Chubb Advantage

  • Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
  • Global Protection: The Chubb global network can satisfy the insurance needs of companies operating worldwide.
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.
  • Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.


Listed benefits reflect the maximum amount payable per plan year.

 Plan 750Plan 1000Plan 1500Plan 2000
In Hospital Indemnity (No Elimination)$750$1,000$1,500$2,000
Max days per Confinement10103090
Max Benefit Amount per Plan Year$22,500$30,000$50,000$50,000
ER VisitN/AN/A$75$250
Max Visits Per Plan YearN/AN/A11
Physician Office Visit$75$75$100$100
Max Visits Per Plan Year3666
Ground AmbulanceN/AN/A$100$100
Max Trips per Plan YearN/AN/A11
Air AmbulanceN/AN/A$1,000$1,000
Max Trips per Plan YearN/AN/A11
Surgical IndemnityN/AN/AN/AN/A
Inpatient Major$1,000$1,000$1,000$2,500
Outpatient Major$1,000$1,000$1,000$2,500
Outpatient MinorN/AN/A$250$500
Inpatient Major$200$200$250$625
Outpatient Major$200$200$250$625
Outpatient MinorN/AN/A$75$125
Max Inpatient Procedures per Plan Year2222
Max Outpatient Procedures per Plan Year1122
Advanced Diagnostic$100$200$250$250
Max Tests per Plan Year1112
Diagnostic X-Ray and Lab$50$50$50$50
Max Tests per Plan Year1144
Max Screening Tests per Plan Year1111

Frequently Asked Questions

Are there any waiting periods for non-insurance Association benefits?

No. You can begin using your non-insurance benefits as soon as your payment is accepted and approved.

Are there any waiting periods for insurance benefits?

There are no waiting periods for benefits. You can begin accessing your insurance benefits once your payment is accepted and approved. However, Pre-existing Conditions are not covered for twelve (12) months after your membership’s Effective Date.

When will my association and insurance benefits start?

If you submit your application today, you can select your plan to be effective as early as 12:01am tomorrow. All coverage is subject to approval of your application and receipt of your first payment. Please refer to the plan limitations and exclusions for details.

What if I change my mind after I purchase coverage?

If for any reason you are not satisfied with your coverage and you have not filed a claim, you can cancel within 30 days of the date of the Welcome letter and we will refund any premium paid and your Limited Medical coverage will be null and void.

Do I have to use a MultiPlan provider?

Members under this plan may choose to be treated within or outside of the MultiPlan Network.MultiPlan has almost 800,000 healthcare providers under contract, an estimated 57 millionconsumers accessing the network products, and 40 million claims processed through the networks each year, giving them more of the experience and resources healthcare payers and providers need to face today’s unprecedented cost and competitive pressures. As part of your Membership plan, an arrangement has been negotiated between the Association and MultiPlan to treat individuals within the MultiPlan Network for a reduced fee over the customary fees of non-Network Providers.

How do I access/receive my fulfillment package and policy documents?

After you complete your purchase and your payment is approved, your fulfillment package, ID card, association documents, insurance certificate and any other plan documents are available to you online under your Customer Login. A copy of your Welcome letter and ID cards will arrive by mail within 7-10 business days after payment is received and approved. If you are unable to access, you can request a copy of your certificate by calling 877.353.0962.

What is Fixed Indemnity Insurance?

Fixed-indemnity insurance plans offer a cash benefit payout in case you suffer from specific illnesses or injuries covered by your policy. It is not major medical insurance, it does not include all ten of the essential health benefits of the Affordable Care Act (Obamacare) and if you do not have Obamacare, you may be subject to an additional tax.

What is first dollar coverage?

An insurance policy feature that provides coverage without a deductible. Typically, first dollar coverage exists all the way up to the full amount on the policy.

Health Benefit Indemnity Insurance Definitions


An unexpected, unforeseen occurrence that may result in bodily Injury.

Accident Medical Benefits

Defined amounts which provide lump-sum cash payments to cover expenses resulting from a medical related accident.

Accident Insurance

Supplemental medical insurance that pays a set amount when you have a covered accident to cover expenses that may be incurred.

Claim Provisions

Clauses within an insurance contract that set forth the procedure to be followed in the submission and administration of claims.

Critical Illness Benefits

Defined coverage amounts to be paid in lump-sum cash payments to cover specific life-threatening conditions, if the diagnosis occurs during the policy period.

Critical Illness Insurance

Supplemental medical insurance that pays a set amount of money to help cover bills associated with some of the most common critical illnesses that you may experience.

Emergency Room

A specified area in a Hospital which is designated for the emergency care of Sickness or Injury.

Emergency Care

Medical attention provided after the acute onset of symptoms relating to Sickness or Injury, including severe pain, which symptoms are severe enough that the lack of immediate medical attention could reasonably be expected to result in any of the following: Health would be placed in serious jeopardy;
Bodily function would be seriously impaired;
or There would be serious dysfunction of a bodily organ or part.


Defined risks that are specifically not covered by an insurance policy or contract.

First Dollar Coverage

An insurance policy feature that provides full coverage for the entire value of a loss without a deductible or other cost sharing.

Fixed Indemnity Insurance

A fixed-dollar plan that pays a predetermined amount on a per-period or per-incident basis, regardless of the total charges incurred.


An institution operated by law for the care and treatment of injured or sick persons; has organized facilities for diagnosis and surgery or has a contract with another hospital for these services; and has 24-hour nursing service.


Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care in some situations.

Hospital Inpatient Care

Care of patients whose condition requires admission to a hospital.

Hospital Outpatient Care

Care in a hospital that usually doesn’t require an overnight stay.

Health Benefit Indemnity Insurance

Health insurance plan that offers financial protection for commonly needed medical services, including hospital and doctor benefits. When you experience a covered medical event, health benefit indemnity insurance pays a set fee, directly to you or a provider designated by you.

Hospital Benefits

The hospital limits stated within the Hospital portion of a health benefit indemnity insurance plan.

Hospital Insurance

A plan which provides coverage for hospital confinement due to illness, accidents, intensive care and recovery.

Ours: This benefit pays fixed amounts upon the diagnosis of a covered critical condition such as cancer or a heart attack.

Inpatient Care

Health care that you get when you're admitted as an inpatient to a health care facility, like a hospital or skilled nursing facility.


Sickness or disease of a Covered Person.


A bodily injury sustained which Is directly caused by an accident, independent of all other causes.

Intensive Care Unit

A specialized department within a Hospital that provides advanced and highly specialized care to medical or surgical patients, whose conditions are life-threatening and require comprehensive care and monitoring.

Plan Provisions

An insurance contract that defines policy details such as coverage periods, exclusions, riders, start dates, and other important information.

Preventive care

Care you receive to prevent illnesses or diseases. Providing these services at no cost is based on the idea that getting preventive care, such as screenings and immunizations, can help you and your family stay healthy.

Supplemental Medical Insurance

Supplemental medical insurance adds a layer of protection to your medical insurance by paying a set amount when you experience an accident or critical illness covered by the plan. Supplemental medical insurance plans are designed to work as a complement to your major medical insurance (Obamacare or Short Term Health Plans) or Health Benefit Indemnity Insurance plans.

Supplemental Health Products

By including additional insurance and services, supplemental health products add value to your overall health care benefit package. Supplemental health products are designed to be purchased in addition to a major-medical health plan (such as a short term or an ACA/Obamacare health plan) or a health benefit indemnity insurance plan and are categorized in two basic types: supplemental health insurance or non insurance supplemental health products.


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For questions regarding your claims or the benefits of the policy please contact Administrative Concepts Inc. at:


994 Old Eagle School Rd., Ste. 1005
Wayne, PA 19087

Customer Service and Billing

For customer service or billing questions please contact us at:

For simple transactions such as a payment error where you payment information needs to be updated or if you want a refund inside the “free-look period” which is 10 days in most states, this can be done in the member portal @

For other payment errors where you need to process a payment, you need to call Agile at (877) 353-0962 to process the payment.

Other refund requests will have to be escalated, please call (877) 353-0962 for other requests and they will be addressed on a case by case basis in accordance with each individual insurance company’s policy.


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Cardinal Choice

Accident & Sickness Hospital Indemnity Insurance