Hospital Indemnity Grid
AIDS/HIV or ARC
-
Medico Hospital Indemnity
Decline if
in past 10 years -
GTL Advantage Plus
Decline if
ever, ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
ever -
Cigna Flexible Choice HI
Decline if
ever -
Aetna HI Flex
Decline if
in past 3 years
alcohol or drug/substance abuse
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 3 years -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past year
ALS (Lou Gehrigs disease)
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year. For specified disease rider - past 5 years -
Aetna HI Flex
Decline if
in past 3 years
Alzheimers/dementia
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
Decline if
in past year. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past 3 years
Amputation
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
Decline if
in past 2 years. For lump sum heart/stroke rider only - if in past 5 years due to complications of diabetes. -
Aetna HI Flex
Decline if
in past 2 years, caused by disease
Aneurysm
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
Decline if
For specified disease rider only - if in past 5 years -
Aetna HI Flex
OK
N/A
Atrial Fibrillation (AFIB)
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
Decline if
in past year. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
if taking 4+ meds for heart/artery disease or heart rhythum disorders
Autoimmune disorder
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
Bipolar
-
Medico Hospital Indemnity
Decline if
in past 2 years, also manic depression -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 3 years, also major depression -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
in past 12 mo, any mental/nervous disorder
Blood disorders
-
Medico Hospital Indemnity
Decliine if
in past 2 years for coughing blood, vomiting blood, passing blood thru bowels or urine or bleeding mole -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
Decline if
For specified disease rider only - if in past 5 years for blood clot -
Aetna HI Flex
Decline if
in past 12 mo, any blood disorder
Brain disorder/disease
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
in past 3 years, any neurological disorder
Breast discharge/growth or tumor in breast
-
Medico Hospital Indemnity
Decliine if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
cancer (excluding skin cancer)
-
Medico Hospital Indemnity
Decline if
in past 2 years including malignancy, leukemia, melanoma or Hodgkin's -
GTL Advantage Plus
Decline if
in past year, including malignant melanoma. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 10 years including melanoma, Hodgkin's, non-Hodgkin's lymphoma, leukemia or other malignant growths/tumors -
Cigna Flexible Choice HI
Decline if
in past year including carcinoma in situ, malignant melanoma, or any malignancy. For lump sum cancer rider only, decline if in past 5 years. -
Aetna HI Flex
Decline if
cancer including internal, breast, prostate, leukemia, lymphoma or melanoma. For lump sum cancer rider only - in past 10 years been tested for cancer where results are pending or further treatment/evaluation is needed, also any testing/treatment/surgery for any type of internal cancer in past 10 yrs
cirrhosis or chronic liver disease
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
Decline if
in past year, chronic liver only. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years excluding Hepatitis A or B -
Cigna Flexible Choice HI
Decline if
in past year any disease/disorder of liver -
Aetna HI Flex
Decline if
in past 3 years
Colitis
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
ever -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
in past 12 mo
congestive heart failure
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
Decline if
in past year. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year. For lump sum heart/stroke rider only - if in past 5 years. -
Aetna HI Flex
Decline if
3 years
COPD, emphysema, chronic respiratory disorder (exclu asthma & sleep apnea)
-
Medico Hospital Indemnity
Decline if
ever -
GTL Advantage Plus
Decline if
in past year. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 2 years including cystic/pulmonary fibrosis or lung disease, excluding asthma -
Cigna Flexible Choice HI
Decline if
in past year, any disease/disorder of the lungs (excluding asthma) -
Aetna HI Flex
Decline if
in past year
Crohn's
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
ever -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
Cystic Fibrosis
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
Decline if
in past year. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 2 years including cystic/pulmonary fibrosis or lung disease, excluding asthma -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past year
diabetes
-
Medico Hospital Indemnity
Decline if
ever for insulin & any injectable medication, also in past 2 years requiring more than 2 oral meds, peripheral vascular disease (PVD) or any complications -
GTL Advantage Plus
Decline if
in past year, insulin use only. OK ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 2 years requiring the use of 50 or more units of insulin per day, or diabetes with A1C levels above 7% -
Cigna Flexible Choice HI
Decline if
in past year, also complications of diabetes, insulin-dependent diabetes (excluding gestational). For lump sum heart/stroke rider only - if in past 5 years for insulin dependent. -
Aetna HI Flex
Decline if
ever for insulin + heart disorder, also if require 40+ units insulin or complications
Fatigue
-
Medico Hospital Indemnity
Decliine if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
heart attack, had or been advised to have heart surgery including bypass or stent
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
Decline if
in past year, also AFIB. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years including heart disorder or disease, cardiomyopathy, aneurysm & carotid artery. Currently have pacemaker = decline -
Cigna Flexible Choice HI
Decline if
in past year, including any disease/disorder of the heart/vascular system, CHF, heart or heart valve surgery, or bypass surgery. For lump sum heart/stroke rider only - if in past 5 years. -
Aetna HI Flex
Decline if
in past 12 mo, also artery disease including PVD & PAD. Also if taking 4+ meds for heart/artery disease or heart rhythum disorders
height/weight
-
Medico Hospital Indemnity
OK
No -
GTL Advantage Plus
OK
No -
SureBridge HospitalWise
Yes, see chart -
Cigna Flexible Choice HI
Yes, see chart for lump sum heart/stroke rider only -
Aetna HI Flex
OK
No
Hepatitis C
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
Decline if
in past year, chronic liver only. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years excluding Hepatitis A or B -
Cigna Flexible Choice HI
Decline if
in past year including Hep B -
Aetna HI Flex
Decline if
in past 12 mo, any hepatitis
hospitalized, bedridden, in NH or LTC facility, rec'g hospice or home healthcare
-
Medico Hospital Indemnity
Decline if
in past year (hospitalization for child birth is OK) -
GTL Advantage Plus
Decline if
in past 6 mo. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
currently also hospitalized overnight for 3 or more times in the past year -
Cigna Flexible Choice HI
Decline if
in past year for inpatient stay, nursing home stay, or received home health care due to an injury/sickness (except a cold or flu) -
Aetna HI Flex
Decline if
currently. Also hospitalized 3+ times in past 2 years for any reason
Incarcerated
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
currently -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
insulin shock, diabetic coma, Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve, circulatory), disorder
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years for peripheral neuropathy -
Cigna Flexible Choice HI
Decline if
in past year for complications of diabetes. For lump sum heart/stroke rider only - if in past 5 years due to diabetes -
Aetna HI Flex
Decline if
ever for diabetic complications
kidney dialysis or kidney failure
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
Decline if
in past year, chronic kidney only. Ok age 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years including abnormal kidney functions (excludes kidney stones), End Stage Renal Failure -
Cigna Flexible Choice HI
Decline if
in past year for any disease/disorder of kidneys (excluding kidney stones). For specified disease rider only - not eligible if ever. -
Aetna HI Flex
Decline if
in past 3 years
lab or test results outside of normal range
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 2 years (ok if later confirmed normal) -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
Lupus
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past 3 years, any connective tissue disorder
medical tests/diagnostic or exams not yet complete
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
Decline if
in past year, inpatient surgery only. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 2 years -
Cigna Flexible Choice HI
Decline if
in past 2 years -
Aetna HI Flex
Decline if
in past 12 mo
Multiple Sclerosis
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year, any neuromuscular disease. For specified disease rider only - in past 5 years. -
Aetna HI Flex
Decline if
in past 3 years, any neurological or neuromuscular disorder
Muscular dystrophy
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year for any neuromuscular disease -
Aetna HI Flex
Decline if
in past 3 years for any neuromuscular disorder
Neuromuscular disorder, myasthenia gravis
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past 3 years
organ transplant
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
ever also recommended for -
Cigna Flexible Choice HI
Decline if
For specified disease rider only - decline if ever -
Aetna HI Flex
OK
N/A
oxygen use
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
currently -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past 2 years
Paralysis
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
Decline if
For specified disease rider only - if in past 5 years -
Aetna HI Flex
Ok
N/A
Parkinsons
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year -
Aetna HI Flex
Decline if
in past 3 years, any neurological or neuromuscular disorder
Peripheral Vascular Disease (PVD)
-
Medico Hospital Indemnity
Decliine if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
in past 12 mo, also PAD
pregnant or undergoing infertility treatment
-
Medico Hospital Indemnity
Decline if
currently -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
currently including expectant fathers -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
prescribed any medication for more than one consecutive month other than the following: medication to treat diabetes, blood pressure, cholesterol, menopause, ulcers, asthma, allergies, depression/anxiety
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 3 years -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
Pulmonary hypertension, pulmonary fibrosis
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
Decline if
For specified disease rider only - if in past 5 years -
Aetna HI Flex
Decline if
in past year for chronic respiratory disorder
required assistance for bathing, dressing, eating, toileting, getting in/out chair/bed, mgt of bowel or bladder problems
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
currently -
Cigna Flexible Choice HI
Decline if
currently -
Aetna HI Flex
OK
N/A
Rheomatoid Arthritus/Osteoporosis
-
Medico Hospital Indemnity
Decline if
in past 2 years for RA only -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 5 years, also Osteoporosis with bone fractures -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
in past 2 years for osteoporosis with compression fracture only
Schizophrenia/Psychotic disorder
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past 3 years -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
in past 12 mo, any mental/nervous disorder
stroke, TIA
-
Medico Hospital Indemnity
Decline if
in past 2 years -
GTL Advantage Plus
Decline if
in past year. Ok ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 5 years -
Cigna Flexible Choice HI
Decline if
in past year. For lump sum heart/stroke rider only - if in past 5 years. -
Aetna HI Flex
Decline if
in past 3 years for stroke, 2 yrs for TIA
surgery not yet complete
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
Decline if
in past year, inpatient only. OK ages 64 1/2 to age 65 1/2 -
SureBridge HospitalWise
Decline if
in past 2 years -
Cigna Flexible Choice HI
Decline if
in past 2 years -
Aetna HI Flex
Decline if
in past 12 mo including surgery required in the next year for any existing health condition, including cataracts & joint replacement
Tuberculosis
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
Decline if
For specified disease rider only - if in past 5 years -
Aetna HI Flex
Decline if
in past year for chronic respiratory disorder
Tumor/Growth/Lump
-
Medico Hospital Indemnity
Decline if
in past 2 years, in breast or elsewhere, also change in mole or bleeding mole -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
Uncontrolled cholesterol/blood pressure that is not currently being controlled with medication
-
Medico Hospital Indemnity
OK
N/A -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
in past year -
Cigna Flexible Choice HI
Decline if
For lump sum heart/stroke rider only - in past 5 years had high blood pressure requiring 3+ meds to control -
Aetna HI Flex
OK
N/A
Unexplained weight loss
-
Medico Hospital Indemnity
Decliine if
in past 2 years -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
OK
N/A -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
OK
N/A
wheelchair confinement
-
Medico Hospital Indemnity
Decline if
in past year -
GTL Advantage Plus
OK
N/A -
SureBridge HospitalWise
Decline if
currently -
Cigna Flexible Choice HI
OK
N/A -
Aetna HI Flex
Decline if
currently