Information contained within is a general overview. Check state specific applications & carrier underwriting guidelines for details for each state.

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Hospital Indemnity Grid NAA Logo

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/anx

  • 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

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Updated: 12/10/2019