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Hospital, Medical, Surgical Insurance* from Physicians Mutual Insurance Company

Get help paying out-of-pocket medical expenses with coverage designed to help fill in the gaps of your current health insurance plan. Since many plans have deductibles, coinsurance, co-pays and other out-of-pocket expenses, costs can really add up. When you receive a covered service, this limited-benefit coverage can pay you a fixed amount of cash you can use to help pay additional or unexpected medical bills.

This coverage can be used with employee/group coverage, an individual plan through the Health Insurance Marketplace, Medicare, Medicare Advantage Plans, Medicaid, veterans health coverage, most TRICARE plans and many other plans.

* In Texas, this is Hospital Confinement Indemnity Coverage; in Virginia, this is a Hospital Confinement Indemnity Policy.

Coverage Can Include:

  • Doctor visits

  • Preventive care treatments

  • Emergency room visits

  • Inpatient surgeries

  • Outpatient surgeries

  • Hospital stays

  • Outpatient lab work
    and X-rays

  • Home health care

  • Ambulance services

Benefits & Features:

No deductible — Help reduce your out-of-pocket costs

Benefits can work hand-in-hand with other coverage — Tailor an insurance policy to help fit your needs

Freedom to go to any covered doctor or hospital you want — Go anywhere in the United States

Coverage renewed each year — Simply continue to pay your premiums

Full benefits for the entire family — Everyone can receive the same benefits, regardless of age

Easy to apply — Just answer a few health questions to determine your eligibility

Your satisfaction is guaranteed — Return your insurance policy within 31 days for a full refund of any premium paid … you have nothing to lose


Time Saver: Our supplemental Hospital, Medical, Surgical Insurance can offer coverage for the services you are likely to use the most — all at a price that can easily fit your budget. Compare your plan options now and see how easy it is to tailor an insurance policy that's best for you.


We're Here to Help

Get a free quote now for Hospital, Medical, Surgical Insurance, our most complete coverage for the services you may use the most. It's fast, easy and secure.

For more details about our other supplemental health insurance options, talk with one of our friendly insurance advisors.

Give us a call at 1-888-932-7642.

This product and offer are not available in all states. Please contact us to see what coverage may be available in your area.

Important Disclosure Information

Insurance Policy Kind: P643 (GA: P643GA; OK: P643OK; TN: P643TN; TX: P643TX)


Tip: Policy Number

Enter the Policy Number as it appears on your billing statement or policy excluding any dashes. Please include any zeroes that may appear at the beginning of your Policy Number.