Secure Lite

Plan Detail

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Standard Security Life Insurance Company of New York.



The selected deductible amount must be paid by the insured person before plan benefits begin. The deductible applies per covered person, per coverage period.

Family deductible

When 3 covered persons in a family each satisfy their deductible, the deductibles for any remaining covered family members are considered satisfied for the remainder of the coverage period.



The selected coinsurance is the percent paid by the Secure Lite plan after the deductible has been met.* Once $10,000 in covered charges have been applied to the coinsurance percentage, additional covered charges within the coverage period are paid at 100 percent up to the $750,000 coverage period maximum benefit. The out-of-pocket amount is the responsibility of the insured person.

80% of the next $10,000 ($2,000 out-of-pocket after deductible)
50% of the next $10,000 ($5,000 out-of-pocket after deductible)

Maximum benefit

$750,000 is the maximum amount of covered charges that will be considered under the Secure Lite plan per covered person, per coverage period.

Covered expenses1

Covered expenses are limited by the usual, reasonable and customary charge as well as any benefit-specific maximum. If a benefit-specific maximum does not apply to the covered charge, benefits are limited by the coverage period maximum. All benefits are subject to the selected plan deductible and coinsurance.

Covered expenses include treatment, services and supplies for:

1 Benefits may vary by state

2 Miscellaneous charges include X-rays, scans, laboratory, blood, therapy, oxygen, casts, splints, medicines, injections, chemotherapy and medical supplies.

3 The AIDS maximum of $10,000 per coverage period does not apply to policies/certificates issued to residents of AZ, CA, CO, DC, ID, MD, ME, MO, NH, NC or ND. The maximum benefit in KS is $75,000 per coverage period.