GTL Advantage Plus Elite Hospital Indemnity

Every benefit below is transcribed from GTL Advantage Plus Elite brochure GAD22.1-24 (Rev. 8/25) 15B665. Benefits, amounts and riders vary by state; the policy issued to you governs.

• Hospital confinement Included

  A daily cash benefit if you are hospitalized for a 24-hour period, as observation or confinement. Base plan choices of 1 day (up to $2,500 daily) or 3 to 15 days (up to $990 daily). Restores in full, an unlimited number of times, after 60 days with no hospital confinement.

• Short duration hospital stay Included

  Pays the chosen daily benefit if you are admitted and discharged between 6 and 24 hours. 25% of the daily amount on the 1-day plan.

• Emergency room Included

  $150 if you are treated in an emergency room, emergency care or urgent care facility after an accident or injury. No hospital admission needed.

• Mental health Included

  $175 per day for up to seven days of hospital confinement for a mental or nervous disorder. Paid in place of the confinement benefit, not on top of it.

• Skilled nursing facility rider Optional rider

  Option 1 pays $100–$300 per day for days 1–50; Option 2 pays the same for days 21–100. Either requires a three-day hospital stay first, with admission within 30 days. Restores after 60 days with no confinement.

  Not offered by GTL in Minnesota. Option 2 (days 21–100) is additionally unavailable in MD.

• Cancer lump sum rider Optional rider

  $2,500 to $20,000 on a cancer diagnosis, including 25% for cancer in situ and $500 for basal or squamous cell skin carcinoma.

  Not offered by GTL in Minnesota. Waiting period: 30 days in most states (none in MD).

• Recurrence rider Optional rider

  Restores the cancer lump sum over time — 10% after one year without recurrence, rising to 100% after five.

  Not offered by GTL in Georgia, Minnesota.

• Ambulance rider Optional rider

  $50 to $400 per ground or air ambulance trip to or from a hospital. Once per day, four times a year, 12 trips lifetime. No confinement required.

• Outpatient therapy rider Optional rider

  $50 a day for outpatient physical, occupational or speech therapy, up to 15 or 30 days a year. Chiropractic therapy $50 a day up to 5 days a year, for injury due to accident.

• Outpatient surgical rider Optional rider

  $250, $500, $750 or $1,000 for a surgical procedure in an ambulatory surgical center or outpatient hospital facility, up to twice a year.

• Lump sum hospital rider Optional rider

  $250, $500 or $750 toward a lump sum hospital co-pay, on top of the daily benefit. Once per confinement, restoring after 60 days.

  Not available with the 1-day benefit period.

• Guaranteed purchase option with wellness rider Optional rider

  Increase the confinement benefit by 10% of its original amount up to five times before age 85, at issue-age rates, with no further underwriting. Includes $100 a year for a physical examination.

  Waiting period: Wellness: 30 days in most states (none in MD).

• Critical accident rider Optional rider

  After an emergency room visit, a lump sum by injury: accidental death $5,000 or $10,000; hip or skull fracture $1,250 or $2,500; hip dislocation $1,000 or $2,000; knee dislocation or ligament tear $500 or $1,000; other fracture $250 or $500.

  Waiting period: 30 days in most states (none in MD).

• Dental and vision rider Optional rider

  Up to $400, $800 or $1,200 a year for a licensed dentist, ophthalmologist or optometrist after the first year, including $200 toward prescription glasses or contact lenses.

  Not offered by GTL in Georgia, Minnesota, Tennessee. Waiting period: 3 months.

Issue ages

Guaranteed issue for ages 64½ up to age 75 in most states

Underwriting

Simplified underwriting with instant approval

Renewability

Guaranteed renewable for life while premiums are paid on time. Premiums change only on a class basis within your state.

Pre-existing conditions

Benefits are not paid for a pre-existing condition unless the loss begins more than six months after your effective date. (No pre-existing condition limitation in NC.)

Policy form

G2150. Rider forms RG21ASB, RG21CA, RG15CLS, RG15CLSR, RG15DV, RG21LSH, RG21OPS, RG21OPT, RG21SNF, RG21SNF-EP, RG24GPO, RG24W. Form numbers and benefits vary by state.